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    <div style="text-align: left; line-height: 12pt; font-family: 'Times New Roman'; font-size: 10pt;">As filed with the Securities and Exchange Commission on April 17, 2024&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; Registration No. 333- [&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; ]<br>
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  <div style="text-align: center; line-height: 15.95pt; font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">UNITED STATES</div>
  <div style="text-align: center; line-height: 15.95pt; font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>
  <div style="text-align: center; line-height: 15.95pt; font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">WASHINGTON, D.C. 20549</div>
  <div style="text-align: center; line-height: 15.95pt; margin-bottom: 2pt; font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">FORM&#160;S-1</div>
  <div style="text-align: center; line-height: 15.95pt; margin-bottom: 2pt; font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">REGISTRATION STATEMENT</div>
  <div style="text-align: center; line-height: 12.55pt; font-family: 'Times New Roman'; font-size: 11pt;">UNDER THE SECURITIES ACT OF 1933</div>
  <div style="text-align: center; line-height: 12pt; font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">Allianz Life Insurance Company of North America</div>
  <div style="text-align: center; line-height: 12pt; margin-bottom: 6pt; font-family: 'Times New Roman'; font-size: 10pt;">(Exact name of Registrant as specified in its charter)</div>
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          <div style="text-align: center; line-height: 11.4pt; font-family: 'Arial Narrow'; font-weight: bold;">Minnesota</div>
          <div style="text-align: center; line-height: 9.1pt; font-family: 'Arial Narrow'; font-size: 8pt;">(State or other jurisdiction of</div>
          <div style="text-align: center; line-height: 9.1pt; font-family: 'Arial Narrow'; font-size: 8pt;">incorporation or organization)</div>
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          <div style="text-align: center; line-height: 11.4pt; font-family: 'Arial Narrow'; font-weight: bold;">6311</div>
          <div style="text-align: center; line-height: 9.1pt; font-family: 'Arial Narrow'; font-size: 8pt;">(Primary Standard Industrial</div>
          <div style="text-align: center; line-height: 9.1pt; font-family: 'Arial Narrow'; font-size: 8pt;">Classification Code Number)</div>
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          <div style="text-align: center; line-height: 11.4pt; font-family: 'Arial Narrow'; font-weight: bold;">41-1366075</div>
          <div style="text-align: center; line-height: 9.1pt; font-family: 'Arial Narrow'; font-size: 8pt;">(I.R.S. Employer</div>
          <div style="text-align: center; line-height: 9.1pt; font-family: 'Arial Narrow'; font-size: 8pt;">Identification No.)</div>
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  <div style="text-align: center; line-height: 12pt; margin-top: 6pt; font-family: 'Times New Roman'; font-size: 10pt;">5701 Golden Hills Drive</div>
  <div style="text-align: center; line-height: 12pt; font-family: 'Times New Roman'; font-size: 10pt;">Minneapolis, MN 55416</div>
  <div style="text-align: center; line-height: 12pt; font-family: 'Times New Roman'; font-size: 10pt;">(800) 950-5872</div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 6pt; font-family: 'Times New Roman'; font-size: 10pt;">(Address, including zip code, and telephone number, including area code, of Registrant&#8217;s principal executive offices)</div>
  <div style="text-align: center; line-height: 12pt; font-family: 'Times New Roman'; font-size: 10pt;">John P. Hite, Senior Counsel, Associate General Counsel</div>
  <div style="text-align: center; line-height: 12pt; font-family: 'Times New Roman'; font-size: 10pt;">Allianz Life Insurance Company of North America</div>
  <div style="text-align: center; line-height: 12pt; font-family: 'Times New Roman'; font-size: 10pt;">5701 Golden Hills Drive</div>
  <div style="text-align: center; line-height: 12pt; font-family: 'Times New Roman'; font-size: 10pt;">Minneapolis, MN 55416</div>
  <div style="text-align: center; line-height: 12pt; font-family: 'Times New Roman'; font-size: 10pt;">(763) 765-7494</div>
  <div style="text-align: center; line-height: 12pt; margin-bottom: 6pt; font-family: 'Times New Roman'; font-size: 10pt;">(Name, address, including zip code, and telephone number, including area code, of agent for service)</div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 6pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-weight: bold;">Approximate date of commencement of proposed sale to the public:</font><br>
    As soon as practicable after this registration statement becomes effective.</div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 6pt; font-family: 'Times New Roman'; font-size: 10pt;">If any of the securities being registered on this Form are to be offered on a delayed or continuous basis pursuant to Rule 415 under
    the Securities Act of 1933, check the following box. [X]</div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 6pt; font-family: 'Times New Roman'; font-size: 10pt;">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller
    reporting company. See the definitions of &#8220;large accelerated filer,&#8221; &#8220;accelerated filer&#8221; and &#8220;smaller reporting company&#8221; in Rule 12b-2 of the Exchange Act.</div>
  <div style="text-align: left; line-height: 12pt;"><font style="font-family: 'Times New Roman'; font-size: 10pt;">Large accelerated filer</font><font style="text-indent: 0px; font-size: 5.14pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;





    </font><font style="font-family: 'Times New Roman'; font-size: 10pt;">[&#160;&#160; ]<font style="text-indent: 0px; font-size: 5.14pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font>Accelerated filer<font style="text-indent: 0px; font-size: 5.14pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font> [&#160;&#160; ]</font></div>
  <div style="text-align: left; line-height: 12pt;"><font style="font-family: 'Times New Roman'; font-size: 10pt;">Non-accelerated filer</font><font style="text-indent: 0px; font-size: 5.14pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Times New Roman'; font-size: 10pt;">[X]<font style="text-indent: 0px; font-size: 5.14pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font>Smaller reporting company&#160;&#160; [&#160;&#160; ]</font></div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 12pt; font-family: 'Times New Roman'; font-size: 10pt;">(Do not check if a smaller reporting company)</div>
  <div style="text-align: left; line-height: 12pt; margin-top: 6pt; margin-bottom: 6pt; font-family: 'Times New Roman'; font-size: 10pt;">The Registrant hereby amends this registration statement on such date or dates as may be necessary to delay its
    effective date until the Registrant shall file a further amendment which specifically states that this registration statement shall thereafter become effective in accordance with Section 8(a) of the Securities Act of 1933 or until the registration
    statement shall become effective on such date as the Securities and Exchange Commission, acting pursuant to said Section 8(a), may determine.</div>
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  <div style="text-align: center; line-height: 11.4pt; margin-top: 6pt; margin-bottom: 6pt; font-family: Arial; font-size: 10pt;">PART I &#8211; PROSPECTUS</div>
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            <div style="line-height: 13.0pt;"><font style="color: #000000; font-size: 11pt; font-weight: bold; margin-left: 0%; text-transform: uppercase;">ALLIANZ Index Advantage+&#160;Income</font><font style="color: #000000; font-size: 4.5pt; font-weight: bold; position: relative; text-transform: uppercase; top: -7.75pt;">&#174;</font><font style="color: #000000; font-size: 11pt; font-weight: bold; text-transform: uppercase;">
                VARIABLE ANNUITY CONTRACT</font><font style="color: #000000; font-size: 11pt; font-weight: bold; line-height: 13pt;"> </font></div>
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              <div style="margin-top:4pt;"><font style="color: #000000; font-family: Arial Narrow; margin-left: 0%;">Issued by Allianz Life Variable Account B and Allianz Life Insurance Company of North America (Allianz Life, we, us, our)</font></div>
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              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The variable annuity described in this prospectus is an individual flexible purchase payment index-linked variable deferred annuity contract (Contract). This prospectus describes the Contract between you, the Owner, and Allianz Life. Allianz Life Financial Services, LLC distributes the Contracts.</font></div>
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              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Contract allows you to allocate your money (Purchase Payments) and any earnings among the Contract&#8217;s investment options, which currently include index-linked investment options (Index Options). The Contract also includes the Variable Option, a subaccount of our Separate Account that invests exclusively in shares of the AZL Government Money Market Fund. However, you cannot allocate Purchase Payments to the Variable Option.</font></div>
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                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Options.</font><font style="color: #000000; font-family: Times New Roman;"> Each Index Option is tied (or linked) to the performance of a specific market Index for a defined time period (Term). Each Index Option has a downside feature that provides limited protection against any negative Index rate of return
                    (Index Return) that may be credited to your investment for a Term. Limited protection from negative Index Returns is provided by the Buffer for the&#160;Index
                    Dual Precision Strategy, Index Precision Strategy, and Index Performance Strategy; and by the Floor for the Index Guard Strategy. The maximum potential
                    negative Performance Credit is: -90% with a 10% Buffer; -80% with a 20% Buffer; -70% with a 30% Buffer; and -10% with the Floor. </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Such losses will be greater if you take a withdrawal
                    (including any financial adviser fees that you choose to have us pay from this Contract) that is subject to a withdrawal charge,&#160;a negative
                    Daily Adjustment, or a deduction of Contract fees and expenses.</font><font style="color: #000000; font-family: Times New Roman;"> The Index Protection Strategy with Trigger and Index Protection&#160;Strategy with Cap provide 100% protection against negative Index
                    Returns. Each Index Option also has an upside feature that puts an upper limit on positive Index Return that may be credited for a Term. The upper limit on
                    positive Index Return is provided by the Cap for the Index Performance Strategy, Index Guard Strategy, and Index Protection Strategy with Cap;&#160;and the Trigger Rate for the Index Dual&#160;Precision Strategy, Index Precision&#160;Strategy, and Index Protection Strategy with Trigger. Multi-year Term Index Options also have a Participation Rate that may allow you to receive more than the
                    positive Index Return. The Index Protection Strategy with Trigger provides a 0.50% minimum Trigger Rate. The Index Protection Strategy with Cap provides a
                    0.50% minimum Cap. The Index Dual Precision Strategy and Index Precision Strategy provide a 3% minimum Trigger Rate. The Index Guard Strategy provides a 3%
                    minimum Cap. The Index Performance Strategy 1-year Term Index Options provide a 3% minimum Cap; the 3-year Term Index Options provide a 5% minimum Cap; and the 6-year Term Index Options provide a 10% minimum Cap.&#160;Lastly, both the Index Performance Strategy 3-year and 6-year Term Index Options provide a 100% minimum Participation Rate.</font></div>
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                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Variable Option.</font><font style="color: #000000; font-family: Times New Roman;"> The sole purpose of the Variable Option is to hold Purchase Payments until they are transferred to the Index Options. The Variable Option&#8217;s performance is based on the AZL Government Money Market Fund, the underlying fund in which
                    the Variable Option invests.</font></div>
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            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We expect to add Index Options from time to time. We guarantee that we will always offer a variable investment option under the Contract. We may also discontinue accepting new allocations into a specific Index Option at any time.&#160; A list of currently available Index Options can be found in the Overview of the Contract section of this prospectus.</font></div>
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            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index-linked and variable annuity contracts are complex insurance and investment vehicles. You may lose money, including your principal investment and previously credited earnings. Contract fees and expenses could cause your losses to be greater than the downside protection of the Index Options. Your losses may be significant.</font><font style="color: #000000; font-family: Times New Roman;"> This Contract is not intended for someone who is seeking complete protection from downside risk, seeking unlimited investment potential, or expecting to take withdrawals that will not be subject to withdrawal charges or Daily Adjustments. Before investing, be sure to ask your Financial Professional about the Contract&#8217;s features, benefits, risks, fees and expenses, whether
                  the Contract is appropriate for you based upon your financial situation and objectives, and for a specific recommendation to purchase the Contract. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">The Contract&#8217;s risks are described in Risk Factors on page 24 of this prospectus.</font></div>
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            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Before the end of an Index Option&#8217;s Term, if you take any type of withdrawal, execute the Performance Lock feature, begin Income Payments or Annuity Payments, or if we pay a death benefit or deduct a fee or expense, we base the transaction on the interim value of your Index Option investment, which includes the Daily Adjustment. The Daily Adjustment fluctuates daily. With the Index Dual Precision Strategy, Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy, the Daily Adjustment can be positive or negative. In extreme circumstances, the Daily Adjustment could result in a loss beyond the protection of the Buffer or Floor. The maximum potential loss from a negative Daily Adjustment is: -99% for the Index Dual&#160;Precision Strategy, Index Precision Strategy, and Index Performance Strategy; and -35% for the Index Guard Strategy. Although with the Index Protection Strategy with Trigger and Index Protection Strategy with Cap the Daily Adjustment cannot be </font></div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;1&#8201;</font></div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">negative, deductions of Contract fees and expenses could cause you to lose principal and previously
                credited earnings. The Daily Adjustment could reflect significantly less gain, or more loss than we would apply to an Index Option at the end of a Term. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Such losses
                will be greater if you take a withdrawal (including any financial adviser fees that you choose to have us pay from this
                Contract) that is subject to a withdrawal charge, or a deduction of Contract fees and expenses.</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;"> If you have Index Options with different Term End Dates, there may be no time that any such transaction can be performed without the application of at least one Daily Adjustment.</font></div>
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              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">A withdrawal charge also applies&#160;if you take a withdrawal within six years of your last Purchase Payment.</font></div>
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            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Contract includes the Income Benefit which provides lifetime Income Payments for an additional charge. Income Payments are subject to a waiting period and are based on Contract Value, </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">not a guaranteed value</font><font style="color: #000000; font-family: Times New Roman;">. Income Payments may be unavailable or end prematurely if you change ownership or Beneficiary(s). </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Negative earnings (including negative Performance Credits), withdrawals, and deductions of Contract fees and expenses&#160;(including any withdrawal charge) may cause Income Payments to be unavailable or end prematurely. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">You may pay for the Income Benefit without receiving any of its
                  advantages.</font></div>
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            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Contract may be available through third-party financial advisers who charge a financial adviser fee for their services. If you choose to pay financial adviser fees from this Contract, the deduction of this financial adviser fee is in addition to this Contract&#8217;s fees and expenses, and the deduction is treated the same as any other withdrawal under the Contract.</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;"> As such, withdrawals to pay financial adviser fees are subject to withdrawal charges, and, if
                  withdrawn on a day other than a Term End Date, we apply the Daily Adjustment (which can be negative) to the Contract Value before deducting the withdrawal.</font></div>
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              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Withdrawals will reduce the Contract Value, Cash Value, Guaranteed Death Benefit Value, and Income&#160;Payments (perhaps significantly and by more than the amount withdrawn), are subject to income taxes, and may be subject to a 10% additional federal tax for amounts withdrawn before age 59</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;font-weight:bold;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;font-weight:bold;">2</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">The Contract may not be appropriate if you intend to pay
                  financial advisor fees from an Index Option before the end of its Term. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Please consult with your Financial Professional before requesting us to pay financial adviser fees from this Contract rather than from other assets you may have.</font></div>
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            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">All obligations and guarantees under the Contract, including index-linked returns (Performance Credits),
                  are the obligations of Allianz Life and are subject to our claims-paying ability and financial strength.</font></div>
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            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Please read this prospectus before investing and keep it for future reference. The prospectus describes all material rights and obligations of purchasers under the Contract. It contains important information about the Contract and Allianz Life that you ought to know before investing&#160;including material state variations. Availability of Index Options may vary by financial intermediary. You can obtain information on which Index Options are available to you by calling (800) 624-0197, or from your Financial Professional.
                  This prospectus is not offered in any state, country, or jurisdiction in which we are not authorized to sell the Contracts. You should rely only on the
                  information contained in this prospectus. We have not authorized anyone to give you different information.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If you are a new investor in the Contract, you may cancel your Contract within 10 days of receiving it without paying fees or penalties, although we will apply the Daily Adjustment if the cancellation occurs after the Index Effective Date.&#160;In some states, this cancellation period may be longer. Upon cancellation, you will receive either a full refund of the amount you paid with your application or your total Contract Value. If you have an Individual Retirement Annuity Contract, we refund the greater of Purchase Payments less withdrawals, or total Contract Value. You should review this prospectus, or consult with your Financial Professional, for additional information about the specific cancellation terms that apply.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">The Securities and Exchange Commission (SEC) has not approved or disapproved these securities or
                  determined if this prospectus is truthful or complete. Any representation to the contrary is a criminal offense. An
                  investment in this Contract is not a deposit of a bank or financial institution and is not federally insured or guaranteed
                  by the Federal Deposit Insurance Corporation or any other federal government agency. An investment in this Contract
                  involves investment risk including the possible loss of principal.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">This prospectus is not intended to constitute a suitability recommendation or fiduciary advice.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Additional information about certain investment products, including variable annuities, has been prepared by the Securities &amp; Exchange Commission&#8217;s (SEC) staff and is available at www.investor.gov.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Dated: May 1, 2024</font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:10pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;2&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_2bfdd217-a207-4288-9995-d4fbbaeaa74e_va-toc_1"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:10pt;">
            <div style="line-height:11.0pt;text-align:left;"><font style="color: #000000; font-size: 11pt; line-height: 11pt;">TABLE OF CONTENTS</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:10pt;width:234pt;min-height:650pt;">
            <div style="line-height:0.0pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="ze69bbc656587442db7e907988e438524" style="empty-cells:show;width:234pt;">

                  <tr style="height:12.85pt;">
                    <td colspan="2" style="vertical-align:Top;width:188.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><a href="#xx_51cedbe3-1494-43c7-abd4-dbfd63e1f33a_1">Glossary</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">6</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:26.7pt;">
                    <td colspan="2" style="background-color:azure;vertical-align:Top;width:188.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><a href="#xx_0f216e10-13f9-4362-b77c-ea7aa031715f_1">Important Information You
                              Should Consider </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:10pt;"><a href="#xx_0f216e10-13f9-4362-b77c-ea7aa031715f_1">About the Contract</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">13</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:15.7pt;">
                    <td colspan="2" style="vertical-align:Top;width:188.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_1">Overview of the Contract</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">18</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_1">What Is the Purpose of
                              the Contract?</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">18</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_2">What Are the Phases of
                              the Contract?</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">19</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_4">What Are the Contract&#8217;s
                              Primary Features?</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">21</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:15.7pt;">
                    <td colspan="2" style="vertical-align:Top;width:188.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_5">Fee Tables</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">22</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_5">Transaction Expenses</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">22</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_6">Annual Contract Expenses</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">23</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_6">Annual Fund Expenses</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">23</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_6">Example</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">23</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:15.7pt;">
                    <td colspan="2" style="background-color:azure;vertical-align:Top;width:188.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_7">Risk Factors</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">24</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_7">Liquidity Risks</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">24</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_8">Income Benefit Risks</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">25</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:23.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_9">Risk of Change to the Income Benefit </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_9">Supplement Prior to the Issue Date</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">26</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_9">Risks of Investing in Securities</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">26</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_10">Risk of Negative Returns</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">27</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:23.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_11">Risks Associated with Calculation of </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_11">Performance Credits</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">28</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:23.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_12">Risks Associated with Performance Locks
                              and </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_12">Early Reallocations</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">29</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:34.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_13">Risks Associated with Substitution of an </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_13">Index&#160;and Limitation on Further </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_13">Investments</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">30</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:23.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_13">Risks Associated with&#160;Changes to&#160;Trigger </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_13">Rates, Caps, and Participation Rates</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">30</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:23.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_15">Risks Associated with Investment in </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_15">Derivative Hedging Instruments</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">32</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:23.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_15">Risks of Deducting Financial Adviser Fees
                            </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_15">from the Contract</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">32</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:23.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_15">Risks Associated with Our Financial
                              Strength </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_15">and Claims-Paying Ability</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">32</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_16">Regulatory Protections</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">33</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:15.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">1.</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_16">The Contract</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">33</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_17">When the Accumulation Phase Ends</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">34</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_17">Financial Adviser Fees</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">34</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_19">When the Contract Ends</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">36</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:26.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">2.</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_19">Ownership, Annuitant,
                              Determining Life, </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:10pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_19">Beneficiary, and Payee</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">36</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_19">Owner</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">36</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_19">Joint Owner</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">36</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_19">Annuitant</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">36</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_20">Determining Life (Lives)</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">37</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_20">Beneficiary</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">37</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_21">Eligible Person(s) and Covered Person(s)</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">38</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_22">Payee</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">39</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:21.85pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_22">Assignments, Changes of Ownership and </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_22">Other Transfers of Contract Rights</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">39</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
          </div>
          <div style="float:left;margin-left:26pt;margin-top:10pt;width:234pt;min-height:650pt;">
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z9288c181e26b4a4f86bb7f1cdf24ece0" style="empty-cells:show;width:234pt;">

                  <tr style="height:12.85pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-top: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">3.</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-top: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_22">Purchasing
                              the Contract</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-top:3pt;text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">39</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_22">Purchase Requirements</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">39</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_23">Applications Sent Electronically</a></font></div>
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                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                    </td>
                  </tr>
                  <tr style="height:23.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_23">Allocation of Purchase Payments and </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_23">Contract Value Transfers</a></font></div>
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                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">40</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_25">Electronic Allocation Instructions</a></font></div>
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                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">42</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_25">Free Look/Right To Examine Period</a></font></div>
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                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">42</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:15.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">4.</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_26">Valuing Your Contract</a></font></div>
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                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">43</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_26">Determining Variable Account Value</a></font></div>
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                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">43</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_27">How the Crediting Methods Work</a></font></div>
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                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">44</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_28">Comparing Crediting Methods</a></font></div>
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                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">45</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:23.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_32">Bar Chart Examples of Crediting Method </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_32">Performance</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">49</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_36">Determining Index Option Values</a></font></div>
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                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">53</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
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                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_38">Calculating Performance Credits</a></font></div>
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                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">55</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_40">Daily Adjustment</a></font></div>
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                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">57</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_41">Performance Locks and Early Reallocations</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">58</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:26.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">5.</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_42">Information Related to
                              the Variable </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:10pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_42">Option's Underlying Fund</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">59</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_43">Substitution and Limitation on Holdings</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">60</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_43">Excessive Trading and Market Timing</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">60</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_45">Voting Privileges</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">62</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:15.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">6.</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_45">Expenses</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">62</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:23.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_45">Base Contract Expenses (Product and Rider
                            </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_45">Fees)</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">62</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_47">Optional Benefit Additional Rider Fee</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">64</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:23.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_47">Contract Maintenance Charge
                              (Administrative </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_47">Expenses)</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">64</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_47">Withdrawal Charge</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">64</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_49">Daily Adjustment Maximum Potential Loss</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">66</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_50">Premium Tax</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">67</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_50">Income Tax</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">67</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_50">Fund Expenses</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">67</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:15.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">7.</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_50">Access to Your Money</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">67</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_51">Free Withdrawal Privilege</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">68</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:23.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_51">Minimum Distribution Program and Required
                            </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_51">Minimum Distribution (RMD) Payments</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">68</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_52">Waiver of Withdrawal Charge Benefit</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">69</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_52">Suspension of Payments or Transfers</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">69</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:15.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">8.</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_53">The Annuity Phase</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">70</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_53">Calculating Your Annuity Payments</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_53">Annuity Payment Options</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">70</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_54">When Annuity Payments Begin</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">71</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13.85pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">9.</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_1">Benefits Available Under
                              the Contract</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">73</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;3&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_2bfdd217-a207-4288-9995-d4fbbaeaa74e_va-toc_2"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:10pt;">
            <div style="line-height:11.0pt;text-align:left;"><font style="color: #000000; font-size: 11pt; line-height: 11pt;">TABLE OF CONTENTS</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:10pt;width:234pt;min-height:650pt;">
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z023220e235a3472f943118beebe6d23f" style="empty-cells:show;width:234pt;">

                  <tr style="height:12.85pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-top: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">10.</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-top: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_6">Income
                              Benefit</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-top:3pt;text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">78</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_6">Removing the Income Benefit</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">78</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_7">How the Income Benefit Works</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">79</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_8">During the Income Period</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">80</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_9">Requesting Income Payments</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">81</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_10">Calculating Your Income Payments</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">82</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:23.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_12">Lifetime Income Percentage Calculation </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_12">Example</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">84</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_14">Excess Withdrawals</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">86</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_15">Automatic Annual Income Payment Increases</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">87</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_16">Income Multiplier Benefit</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">88</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_17">When the Income Multiplier Benefit Ends</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">89</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_17">Taxation of Income Payments</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">89</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_17">When the Income Period Ends</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">89</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  </tr>
                  <tr style="height:12.7pt;">
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                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
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                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_17">When the Income Benefit Ends</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">89</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  </tr>
                  <tr style="height:15.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">11.</font></div>
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                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_17">Death Benefit</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">89</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
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                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
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                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_18">Maximum Anniversary Value</a></font></div>
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                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
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                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">90</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
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                    <td style="vertical-align:Top;width:167.93pt;">
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                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_20">Death of the Owner and/or Annuitant</a></font></div>
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                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">92</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  </tr>
                  <tr style="height:23.7pt;">
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                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_20">Death Benefit Payment Options During the </a></font></div>
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                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
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                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">92</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
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                    <td style="vertical-align:Top;width:167.93pt;">
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                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">93</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  <tr style="height:15.7pt;">
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                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
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                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_21">Taxes</a></font></div>
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                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">93</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
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                    </td>
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                  <tr style="height:12.7pt;">
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                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_21">Annuity Contracts in General</a></font></div>
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                    <td style="vertical-align:Bottom;width:45.07pt;">
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                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">93</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  <tr style="height:12.7pt;">
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                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
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                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_22">Qualified Contracts</a></font></div>
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                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
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                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">94</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_23">Summary of Individuals and Entities That
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                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">95</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
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                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_23">Non-Qualified Contracts</a></font></div>
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                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">95</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  <tr style="height:23.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
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                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_23">Non-Qualified Contracts Owned by </a></font></div>
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                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">95</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
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                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
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                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_23">Taxation of Withdrawals</a></font></div>
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                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">95</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
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                    <td style="vertical-align:Top;width:167.93pt;">
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                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">96</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
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                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
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                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_25">Non-Qualified Annuity Medicare Tax</a></font></div>
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                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">97</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                    </td>
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                    <td style="vertical-align:Bottom;width:45.07pt;">
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                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">97</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  <tr style="height:12.7pt;">
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                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">97</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                    </td>
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                  <tr style="height:12.7pt;">
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                    <td style="vertical-align:Bottom;width:45.07pt;">
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                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">98</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                  <tr style="height:12.7pt;">
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                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">98</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
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                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_33">Legal Proceedings</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">105</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:23.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_33">Status Pursuant to Securities Exchange Act
                              of </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_33">1934</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">105</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:15.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">14.</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_33">Information on Allianz
                              Life</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">105</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:23.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_33">Directors, Executive Officers and
                              Corporate </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_33">Governance</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">105</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_38">Executive Compensation</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">110</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:23.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_48">Security Ownership of Certain Beneficial </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_48">Owners and Management</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">120</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:23.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_48">Transactions with Related Persons, </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_48">Promoters and Certain Control Persons</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">120</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:23.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_48">Business and Operational Risks Relevant to
                            </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_48">the Contract</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">120</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:15.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">15.</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><a href="#xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_56">Financial Statements</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">128</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:15.7pt;">
                    <td colspan="2" style="vertical-align:Top;width:188.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><a href="#xx_0305c4ad-10dd-4947-9241-b382d149d0d4_1">Appendix A &#8211; Available
                              Indexes</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">129</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_0305c4ad-10dd-4947-9241-b382d149d0d4_1">S&amp;P 500</a></font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;"><a href="#xx_0305c4ad-10dd-4947-9241-b382d149d0d4_1">&#174;</a></font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_0305c4ad-10dd-4947-9241-b382d149d0d4_1"> Index</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">129</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_0305c4ad-10dd-4947-9241-b382d149d0d4_1">Russell 2000</a></font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;"><a href="#xx_0305c4ad-10dd-4947-9241-b382d149d0d4_1">&#174;</a></font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_0305c4ad-10dd-4947-9241-b382d149d0d4_1"> Index</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">129</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_0305c4ad-10dd-4947-9241-b382d149d0d4_2">Nasdaq-100</a></font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;"><a href="#xx_0305c4ad-10dd-4947-9241-b382d149d0d4_2">&#174;</a></font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_0305c4ad-10dd-4947-9241-b382d149d0d4_2"> Index</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">130</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_0305c4ad-10dd-4947-9241-b382d149d0d4_2">EURO STOXX 50</a></font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;"><a href="#xx_0305c4ad-10dd-4947-9241-b382d149d0d4_2">&#174;</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">130</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:23.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;text-transform:lowercase;"><a href="#xx_0305c4ad-10dd-4947-9241-b382d149d0d4_3">i</a></font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;text-transform:uppercase;"><a href="#xx_0305c4ad-10dd-4947-9241-b382d149d0d4_3">Shares</a></font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;text-transform:uppercase;top:-4.25pt;"><a href="#xx_0305c4ad-10dd-4947-9241-b382d149d0d4_3">&#174;</a></font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;text-transform:uppercase;"><a href="#xx_0305c4ad-10dd-4947-9241-b382d149d0d4_3"> MSCI Emerging Markets </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;text-transform:uppercase;"><a href="#xx_0305c4ad-10dd-4947-9241-b382d149d0d4_3">ETF</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">131</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:15.7pt;">
                    <td colspan="2" style="vertical-align:Top;width:188.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><a href="#xx_13969904-7e2a-4090-83c4-ae366258d8a5_1">Appendix B &#8211; Daily
                              Adjustment</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">132</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:26.7pt;">
                    <td colspan="2" style="background-color:azure;vertical-align:Top;width:188.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><a href="#xx_30b8282b-eef6-4d56-b342-d8b3aa64c90f_1">Appendix C &#8211; Annual
                              Contract Fees Calculation </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:10pt;"><a href="#xx_30b8282b-eef6-4d56-b342-d8b3aa64c90f_1">Examples</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">135</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:23.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_30b8282b-eef6-4d56-b342-d8b3aa64c90f_1">Assuming You Purchase a Contract with the </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"><a href="#xx_30b8282b-eef6-4d56-b342-d8b3aa64c90f_1">Traditional Death Benefit</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">135</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:23.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_30b8282b-eef6-4d56-b342-d8b3aa64c90f_1">Assuming You Purchase a Contract with the </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"><a href="#xx_30b8282b-eef6-4d56-b342-d8b3aa64c90f_1">Maximum Anniversary Value Death Benefit</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">135</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:37.7pt;">
                    <td colspan="2" style="vertical-align:Top;width:188.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><a href="#xx_f3fd124e-4bcc-4c1e-a4da-ea8fbff74edb_1">Appendix D &#8211; Increasing
                              Income Payment </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:10pt;"><a href="#xx_f3fd124e-4bcc-4c1e-a4da-ea8fbff74edb_1">Example with Performance
                              Lock and Early </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:10pt;"><a href="#xx_f3fd124e-4bcc-4c1e-a4da-ea8fbff74edb_1">Reallocation</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">137</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:26.7pt;">
                    <td colspan="2" style="background-color:azure;vertical-align:Top;width:188.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><a href="#xx_9a8c7d9b-914f-45dd-9fca-5d63a041d8f6_1">Appendix E &#8211; Previous
                              Versions of Income </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:10pt;"><a href="#xx_9a8c7d9b-914f-45dd-9fca-5d63a041d8f6_1">Benefit and Income
                              Multiplier Benefit</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">138</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:26.7pt;">
                    <td colspan="2" style="vertical-align:Top;width:188.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><a href="#xx_06125c5c-3ab7-4afb-ade5-b8b00ce02df7_1">Appendix F &#8211; Material
                              Contract Variations by </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:10pt;"><a href="#xx_06125c5c-3ab7-4afb-ade5-b8b00ce02df7_1">State and Issue Date</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">141</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:23.7pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_06125c5c-3ab7-4afb-ade5-b8b00ce02df7_1">Crediting Method and/or Index Option </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;"><a href="#xx_06125c5c-3ab7-4afb-ade5-b8b00ce02df7_1">Availability Restrictions</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">141</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.7pt;">
                    <td style="vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_06125c5c-3ab7-4afb-ade5-b8b00ce02df7_1">Material State Contract Variations</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">141</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:26.7pt;">
                    <td colspan="2" style="background-color:azure;vertical-align:Top;width:188.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><a href="#xx_87e041f9-c041-4800-830a-23d0a3869de6_1">Appendix G &#8211; Fund
                              Available Under the </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:10pt;"><a href="#xx_87e041f9-c041-4800-830a-23d0a3869de6_1">Contract</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">146</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:24.85pt;">
                    <td colspan="2" style="vertical-align:Top;width:188.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><a href="#xx_aa7b30cb-602f-472d-abe4-39ffcf276be5_1">Appendix H &#8211; Selected
                              Financial Data and </a></font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:10pt;"><a href="#xx_aa7b30cb-602f-472d-abe4-39ffcf276be5_1">Statutory Financial
                              Statements</a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">147</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;4&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_2bfdd217-a207-4288-9995-d4fbbaeaa74e_va-toc_3"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:10pt;">
            <div style="line-height:11.0pt;text-align:left;"><font style="color: #000000; font-size: 11pt; line-height: 11pt;">TABLE OF CONTENTS</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:10pt;width:234pt;min-height:22.7pt;">
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z7565e6e34bd54c1fb752af40bfb72bfc" style="empty-cells:show;width:234pt;">

                  <tr style="height:12.85pt;">
                    <td colspan="2" style="vertical-align:Top;width:188.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-top: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;"><a href="#xx_aa7b30cb-602f-472d-abe4-39ffcf276be5_1">For Service
                              or More Information </a></font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Back Cover</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:10.85pt;">
                    <td style="background-color:azure;vertical-align:Top;width:21pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Top;width:167.93pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"><a href="#xx_aa7b30cb-602f-472d-abe4-39ffcf276be5_1">Our Service Center</a></font></div>
                      </div>
                    </td>
                    <td style="background-color:azure;vertical-align:Bottom;width:45.07pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">Back Cover</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:641.3pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;5&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_51cedbe3-1494-43c7-abd4-dbfd63e1f33a_1"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:13.0pt;margin-top:12pt;text-align:left;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 0pt; top: -2pt; width: 494pt;"><font style="color: #000000; font-size: 11pt; text-transform: uppercase;">Glossary</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">This prospectus is written in plain English. However, there are some technical words or terms that are capitalized and are used as defined terms throughout the prospectus. For your convenience, we included this glossary to define these terms.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Accumulation Phase</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the first phase of your
                  Contract before you request Annuity Payments. The Accumulation Phase begins on the Issue Date.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Annuitant</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the individual upon whose life we
                  base the Annuity Payments. Subject to our approval, the Owner designates the Annuitant, and can add a joint Annuitant for the Annuity Phase. There are
                  restrictions on who can become an Annuitant.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Annuity Date</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the date we begin making
                  Annuity Payments to the Payee from the Contract. Your Annuity Date must occur on an Index Anniversary. The earliest available Annuity Date is the second
                  Index&#160;Anniversary, and the maximum&#160;Annuity Date is either age 90 or age 100 depending on the requirements of the Financial Professional from which you purchased your Contract.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Annuity Options</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the annuity income options
                  available to you under the Contract.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Annuity Payments</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; payments made by us to the
                  Payee pursuant to the chosen Annuity Option.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Annuity Phase</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the phase the Contract is in
                  once Annuity Payments begin.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Beneficiary</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the person(s) or entity the
                  Owner designates to receive any death benefit, unless otherwise required by the Contract or applicable law.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Buffer</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; for each Index Option&#160;with the Index
                  Dual&#160;Precision Strategy, Index Precision Strategy, and Index Performance Strategy, this is the negative Index Return that we absorb over the duration of a
                  Term (which can be either one, three, or six years) before applying a negative Performance Credit. We do </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">not</font><font style="color: #000000; font-family: Times New Roman;"> apply the Buffer annually on a 3-year or&#160;6-year Term Index Option. The Index Precision Strategy&#160;Buffer is 10%, and Index Performance Strategy and Index Dual&#160;Precision Strategy Buffers are either 10%, 20%, or 30%. Buffers do not change. There are restrictions on the availability of the Buffers, based
                  on Issue Date, as discussed in &#8220;Overview of the Contract &#8211;&#160;What Are the Phases of the Contract?&#8221;.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Business Day</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; each day on which the New York
                  Stock Exchange is open for trading. Allianz Life is open for business on each day that the New York Stock Exchange is open. Our Business Day ends when regular
                  trading on the New York Stock Exchange closes, which is usually at 4:00 p.m. Eastern Time.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Cap</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; for any Index Option with the Index
                  Protection Strategy with Cap, Index Performance Strategy, or Index Guard Strategy, this is the upper limit on positive Index performance after application of
                  any Participation Rate over the duration of a Term (which can be either one,&#160;three, or six years) and the maximum potential Performance Credit for an Index Option. We do </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">not</font><font style="color: #000000; font-family: Times New Roman;"> apply the Cap annually on a 3-year or&#160;6-year Term Index Option. On each Term Start Date, we set a Cap for each Index Option with the Index Protection Strategy with Cap, Index Performance Strategy, and Index Guard Strategy. The Caps
                  applicable to your Contract are shown on the Index Options Statement.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Cash Value</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the amount available upon
                  surrender (full withdrawal). It is the Contract Value (including any Daily Adjustment) less any final product and rider fees, contract maintenance charge, and
                  withdrawal charge.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Charge Base</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the Contract Value on the
                  preceding Quarterly Contract Anniversary (or the initial Purchase Payment received on the Issue Date if this is before the first Quarterly Contract
                  Anniversary), increased by the dollar amount of subsequent Purchase Payments, and reduced proportionately for subsequent withdrawals you take or financial
                  adviser fees that you choose to have us pay from this Contract (including any withdrawal charge) and deductions we make for Contract fees and expenses. All withdrawals you take reduce the Charge Base, even Penalty-Free Withdrawals. We use the Charge Base to determine the next product and rider fees we deduct.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Contract</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the individual flexible purchase
                  payment index-linked and variable deferred annuity contract described by this prospectus. The Contract may also be referred to as a registered index-linked
                  annuity, or &#8220;RILA&#8221;.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Contract Anniversary</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; a twelve-month
                  anniversary of the Issue Date or any subsequent Contract Anniversary.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Contract Value</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the current value of the
                  Purchase Payments you invest. On any Business Day, your Contract Value is the sum of your Index Option Value(s) and Variable Account Value. Variable Account
                  Value fluctuates each Business Day that money is held in the Variable Option. Index Option Value is increased or decreased on each Term End Date to reflect Performance Credits, which can be negative&#160;with the Index Dual&#160;Precision Strategy,&#160;Index Precision Strategy, Index Guard </font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;6&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
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          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">Strategy, and Index Performance Strategy. </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">A negative Performance Credit means that you can lose principal and previous earnings.</font><font style="color: #000000; font-family: Times New Roman;"> The Index Option Values also reflect the Daily Adjustment on every Business Day other than the Term Start Date or Term End Date. All withdrawals you take reduce Contract Value dollar for dollar, even Penalty-Free Withdrawals, and
                financial adviser fees that you choose to have us pay from this Contract. Contract Value is also reduced dollar for dollar for deductions we make for Contract
                fees and expenses. However, Contract Value does not reflect future fees and expenses we would apply on surrender. The Cash Value reflects all Contract fees and
                expenses we would apply on surrender (including any withdrawal charge), as well as any applicable Daily Adjustment.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Contract Year</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; any period of twelve months
                  beginning on the Issue Date or a subsequent Contract Anniversary.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Covered Person(s)</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the person(s) upon whose
                  age and lifetime(s) we base Income Payments as discussed in section 2. Covered Person(s) are based on the Eligible Person(s) and the Income Payment type you
                  select on the Income Benefit Date.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Crediting Method</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; a method we use to
                  calculate Performance Credits for the Index Options.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Daily Adjustment</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; how we calculate Index
                  Option Values on days other than the Term Start Date or Term End Date as discussed in section 4, Valuing Your Contract &#8211; Daily Adjustment; and Appendix B. The
                  Daily Adjustment approximates the Index Option Value that will be available on the Term End Date. It is the estimated present value of the future Performance Credit that we will apply on the Term End Date. The Daily Adjustment for the Index Protection Strategy with Trigger&#160;and&#160;Index Protection Strategy with Cap cannot be negative.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Determining Life (Lives)</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the person(s)
                  designated at Contract issue and named in the Contract on whose life we base the guaranteed Traditional Death Benefit&#160;or Maximum Anniversary Value Death
                  Benefit.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Early Reallocation</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; a feature that allows
                  you to move assets out of a locked Index Option on days other than an Index Anniversary or a Term End Date.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Eligible Person(s)</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the person(s) whose age
                  determines each Income Percentage and Income Percentage Increase that we use to calculate the Lifetime Income Percentages and Income Payments, and on whose
                  lifetime we base Income Payments. There are restrictions on who can become an Eligible Person as stated in section 2.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Excess Withdrawal</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; while you are taking
                  Income Payments, this is the amount of any withdrawal you take during an Income Benefit Year (including any financial adviser fees that you choose to have us
                  pay from this Contract) that causes the total amount withdrawn in that year to exceed the annual maximum Income Payment. However, we do not consider payments made under our minimum distribution program to be Excess Withdrawals. We treat any portion of a withdrawal you take during the Income Benefit Year that is not an Excess Withdrawal as an Income Payment. Excess Withdrawals reduce your Contract
                  Value, future Income Payments, Guaranteed Death Benefit Value, and may end your Contract. The Income Benefit is discussed in section 10.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Financial Professional</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the person who
                  advises you regarding the Contract.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Floor</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; for any Index Option with the Index
                  Guard Strategy, this is the maximum amount of negative Index Return you absorb as a negative Performance Credit. The Floors are -10% and do not change.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Fund</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the AZL Government Money Market Fund,
                  the underlying fund in which the Variable Option invests.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Good Order</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; a request is in &#8220;Good Order&#8221; if
                  it contains all of the information we require to process the request. If we require information to be provided in writing, &#8220;Good Order&#8221; also includes
                  providing information on the correct form, with any required certifications, guarantees and/or signatures, and received at our Service Center after delivery
                  to the correct mailing, email, or website address, which are all listed at the back of this prospectus. If you have questions about the information we require, or whether you can submit certain information by fax, email or over the web, please contact our Service Center. If you send information by email or upload it to our website, we send you a confirmation number that includes the
                  date and time we received your information.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Guaranteed Death Benefit Value</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the
                  guaranteed value that is available to your Beneficiary(ies) on the first death of any Determining Life during the Accumulation Phase. The Guaranteed Death
                  Benefit Value is either total Purchase Payments reduced proportionately for withdrawals you take (including any withdrawal charge) if you select the
                  Traditional Death Benefit, or the Maximum Anniversary Value if you select the Maximum Anniversary Value Death Benefit. All withdrawals you take reduce the Guaranteed Death Benefit Value, even Penalty-Free Withdrawals, and any financial </font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;7&#8201;</font></div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">adviser fees that you choose to have us pay from this Contract. However, we do not reduce the Guaranteed Death Benefit Value for deductions we make for Contract fees and expenses. These deductions will, however, reduce the Contract Value we use to calculate the Maximum Anniversary Value.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Income Benefit</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; a benefit that is
                  automatically included in your Contract at issue which is described in section 10. The Income Benefit has an additional rider fee and is intended to provide a
                  payment stream for life in the form of partial withdrawals.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Income Benefit Anniversary</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; a twelve-month
                  anniversary of the Income Benefit Date or any subsequent Income Benefit Anniversary. It is the date we determine Income Payment increases. Income Benefit
                  Anniversaries always occur on Index Anniversaries.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Income Benefit Date</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the date you choose to
                  begin receiving Income Payments under the Income Benefit and the Income Period begins. The Income Benefit Date must be on an Index Anniversary.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Income Benefit Supplement</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the supplement
                  that must accompany this prospectus which contains the terms used to determine Income Payments for your Contract. The Income Benefit Supplement includes the
                  Income Payment waiting period and the table showing the Income Percentages and Income Percentage Increases. The supplement also includes the income multiplier factor and income multiplier benefit wait period for the Income Multiplier Benefit. We cannot change these terms for your Contract once they are established. We publish any changes to the Income Benefit Supplement at least seven
                  calendar days before they take effect on our website at www.allianzlife.com/RILAincomerates. The Income Benefit Supplement is also filed on EDGAR at www.sec.gov under Form S-1 File Number 333-268820.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Income Benefit Year</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; a twelve-month period
                  beginning on the Income Benefit Date or a subsequent Income Benefit Anniversary.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Income Multiplier Benefit</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; a benefit
                  automatically included with the Income Benefit, which is described in the Summary of the Income Benefit and section 10. The Income Multiplier Benefit has no
                  additional charge and after the required wait period can increase your income to help pay for care if you should need it.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Income Payments</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the guaranteed payments we
                  make to you under the Income Benefit for the lifetime(s) of the Covered Person(s) that are generally based on the Contract Value and Lifetime Income
                  Percentage for the payment type you select. Payment types include single or joint payments under either the Level Income or Increasing Income payment options.
                However, if you choose the Level Income payment option and meet certain age requirements, your initial annual maximum Income Payment will not be less than the Level Income Guarantee Payment Percentage multiplied by your total Purchase Payments reduced proportionately for withdrawals you take (including any withdrawal charge). All withdrawals you take reduce your
                  total Purchase Payments, even Penalty-Free Withdrawals, and any financial adviser fees that you choose to have us pay from this Contract. However, we do not
                  reduce your total Purchase Payments for deductions we make for Contract fees and expenses. Income Payments are discussed in section 10.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Income Percentages</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; amounts we use to
                  determine the Lifetime Income Percentages. We establish Income Percentages for each payment type. Income Percentages are generally higher for single payments
                  compared to joint, and for the Level Income payment option compared to Increasing Income. The current Income Percentages are stated in the Income Benefit Supplement attached to the prospectus. Please see Appendix E for historical information on the Income Percentages for previous versions of the Income Benefit.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Income Percentage Increases</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the amount that
                  each Income Percentage can increase on each Index Anniversary up to and including the Income Benefit Date. We establish Income Percentage Increases for each
                  Eligible Person based on their current age on the Index Effective Date. </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Income Percentage Increases are not available until the Eligible Person(s) reaches age 45.</font><font style="color: #000000; font-family: Times New Roman;"> The current Income Percentage Increases are stated in the Income Benefit Supplement attached to the prospectus. Please see Appendix E for historical information on the Income Percentage Increases for previous versions of the Income
                  Benefit.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Income Period</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the period your Contract is
                  in if you take Income Payments. The Income Period occurs during the Accumulation Phase and starts on the Income Benefit Date.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Increasing Income</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; a payment option
                  available under the Income Benefit. It provides Income Payment increases on each Income Benefit Anniversary during the Income Period if your selected Index
                  Option(s) receives a positive Performance Credit, or you execute&#160;a Performance Lock during the prior Income Benefit Year. These increases can continue even if
                your Contract Value reduces to zero or if your Income Payments are converted to Annuity Payments.</font></div>
            </div>
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            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;8&#8201;</font></div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index (Indexes)</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; one (or
                more) of the nationally recognized third-party broad based equity securities price return Indexes or exchange-traded fund available to you under your Contract
                as described in Appendix A.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Anniversary</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; a twelve-month
                  anniversary of the Index Effective Date or any subsequent Index Anniversary. It is the date we apply&#160;Income Percentage Increases.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Dual Precision Strategy</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; one of the
                  Crediting Methods available before the Income Period described in section 4, Valuing Your Contract. The Index Dual Precision Strategy calculates Performance
                  Credits based on Index Returns subject to a Trigger Rate and a 10%, 20%, or 30% Buffer. This Crediting Method provides a positive Performance Credit for negative market movements when the loss is less than or equal to the applicable 10%, 20%, or 30% Buffer. You can receive negative Performance Credits under this Crediting Method, which means you can lose principal and previous earnings. Significant
                  losses beyond the 10%, 20%, or 30% Buffer for the Index Dual Precision Strategy can result in substantial loss of principal and previous earnings. There are
                  restrictions on the availability of the Buffers, based on Issue Date, as discussed in &#8220;Overview of the Contract &#8211;&#160;What Are the Phases of the Contract?&#8221;.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Effective Date</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the first day we
                  allocate assets to an Index Option&#160;and we establish Income Percentage Increases for each Eligible Person. The Index Effective Date is stated on the Index
                  Options Statement and starts the first Index Year. When you purchase this Contract you select the Index Effective Date as discussed in section 3, Purchasing
                  the Contract &#8211; Allocation of Purchase Payments and Contract Value Transfers.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Guard Strategy</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; one of the Crediting
                  Methods available before the Income Period described in section 4, Valuing Your Contract. The Index Guard Strategy calculates Performance Credits based on
                  Index Returns subject to a Cap and -10% Floor. You can receive negative Performance Credits under this Crediting Method, which means you can lose principal and previous earnings.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Option(s)</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the index-linked
                  investments available to you under the Contract. Each Index Option is the combination of an Index, a Crediting Method, a Term length, and any applicable
                  Buffer or Floor amount.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Option Base</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; an amount we use to
                  calculate Performance Credits and the Daily Adjustment. The Index Option Base is initially equal to the amounts you allocate to an Index Option. We reduce the
                  Index Option Base proportionately for withdrawals you take&#160;and any financial adviser fees that you choose to have us pay from this Contract (including any withdrawal charge), and deductions we make for Contract fees and expenses. We increase/decrease it by the dollar amount of additional Purchase Payments allocated to the Index Option, transfers into or out of the Index Option, and any Performance
                  Credits.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Option Value</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; on any Business Day, it
                  is equal to the portion of your Contract Value in a particular Index Option. We establish an Index Option Value for each Index Option you select. Each Index
                  Option Value includes any Performance Credits from previous Term End Dates and reflects proportional reductions for previous partial withdrawals you take&#160;and
                any financial adviser fees that you choose to have us pay from this Contract (including any withdrawal charge), and previous deductions we made for Contract fees and expenses. On each Business Day, other than the Term Start Date or Term End Date, the Index Option Values also include an increase/decrease from the Daily Adjustment.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Options Statement</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the account
                  statement we mail to you on the Index Effective Date and each Index Anniversary thereafter. On the Index Effective Date, the statement shows the initial Index
                  Values, Trigger Rates, Caps, and Participation Rates for the Index Options you selected. On each Index Anniversary, the statement shows the new Index Values, Performance Credits received, and renewal &#160;or Early Reallocation Trigger Rates, Caps, and Participation Rates that are effective for the next Term for the Index Options you selected. The Index Options Statement also shows any applicable Buffer or Floor for your selected Index Option(s). For any Index Option you selected that has not reached its Term End Date, the statement shows the current Index Anniversary&#8217;s Index Option Value, which includes the Daily Adjustment. During the
                  Accumulation Phase and before the Income Period, the statement will also show the current Lifetime Income Percentages for each payment type available under
                  the Income Benefit. During the Income Period it will show the maximum Income Payment available for the next year.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Performance Strategy</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; one of the
                  Crediting Methods available before the Income Period described in section 4, Valuing Your Contract. This Crediting Method offers 1-year, 3-year, and 6-year
                  Terms. The Index Performance Strategy calculates Performance Credits based on Index Returns subject to any applicable Participation Rate, Cap, and a 10%, 20%,
                or 30% Buffer. You can receive negative Performance Credits under this Crediting Method, which means you can lose principal and previous earnings. There are restrictions on the availability of the Buffers, based on Issue Date, as discussed in &#8220;Overview of the Contract &#8211;&#160;What Are the Phases of the Contract?&#8221;.</font></div>
            </div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;9&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
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          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Precision Strategy</font><font style="color: #000000; font-family: Times New Roman;"> &#8211;
                one of the Crediting Methods available before the Income Period described in section 4, Valuing Your Contract. The Index Precision Strategy calculates
                Performance Credits based on Index Values and Index Returns subject to the Trigger Rate and 10% Buffer. You can receive negative Performance Credits under this
                Crediting Method, which means you can lose principal and previous earnings.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Protection Strategy with Cap</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; one of
                  the Crediting Methods available during the entire Accumulation Phase, including the Income Period, described in section 4, Valuing Your Contract. The Index
                  Protection Strategy with Cap provides a Performance Credit based on Index Returns subject to a Cap, but does not allow negative Performance Credits.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Protection Strategy with Trigger</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; one
                  of the Crediting Methods available during the entire Accumulation Phase, including the Income Period, described in section 4, Valuing Your Contract. The Index
                  Protection Strategy with Trigger provides Performance Credits equal to the Trigger Rate on the Term End Date if the current Index Value is equal to or greater than the Index Value on the Term Start Date. The Index Protection Strategy with Trigger does not allow negative Performance Credits.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Return</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the percentage change in Index
                  Value from the Term Start Date to the Term End Date, which we use to determine the Performance Credits. The Index Return is the Index Value on the Term End
                  Date, minus the Index Value on the Term Start Date, divided by the Index Value on the Term Start Date.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Value</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; an Index&#8217;s closing market price
                  at the end of the Business Day on the Term Start Date and Term End Date as provided by Bloomberg or another market source if Bloomberg is not available.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Year</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; a twelve-month period beginning
                  on the Index Effective Date or a subsequent Index Anniversary.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Issue Date</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the date we issue the Contract.
                  The Issue Date is stated in your Contract and starts your first Contract Year. Contract Anniversaries and Contract Years are measured from the Issue Date.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Joint Owners</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the two person(s) designated
                  at Contract issue and named in the Contract who may exercise all rights granted by the Contract. Joint Owners must be spouses within the meaning of federal
                  tax law.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Level Income</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; an Income Benefit payment
                  option that provides an automatic annual increase to your Income Payments if your Contract Value increases from one Income Benefit Anniversary to the next
                  during the Income Period.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Level Income Guarantee Payment Percentage</font><font style="color: #000000; font-family: Times New Roman;"> &#8211;
                  the minimum percentage of total Purchase Payments reduced proportionately for withdrawals you took (including any withdrawal charge) that you can receive as
                  an Income Payment if you choose the Level Income payment option and meet certain age requirements as stated in section 10 &#8211; Calculating Your Income Payments.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Lifetime Income Percentage</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the maximum
                  percentage of Contract Value you can receive as an Income Payment on the Income Benefit Date. The Lifetime Income Percentages available to you before the
                  Income Period are stated on the Index Options Statement.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Lock Date</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; this is the Business Day we
                  execute a Performance Lock and capture an Index Option Value (which </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">includes</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font><font style="color: #000000; font-family: Times New Roman;">the Daily Adjustment) before the Term End Date.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Maximum Anniversary Value</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the highest
                  Contract Value on any Index Anniversary before age 91, increased by the dollar amount of subsequent Purchase Payments, and reduced proportionately for
                  subsequent withdrawals you take (including any withdrawal charge), used to determine the Maximum Anniversary Value Death Benefit as discussed in section 11. All withdrawals you take reduce your Maximum Anniversary Value, even Penalty-Free Withdrawals, and any financial adviser fees that you choose to have us pay from this Contract. Deductions we make for Contract fees and expenses other than
                  the withdrawal charge do not reduce the Maximum Anniversary Value. These deductions will, however, reduce the Contract Value we use to calculate the Maximum
                  Anniversary Value.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Maximum Anniversary Value Death Benefit</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; an
                  optional benefit described in section 11 that has an additional rider fee and is intended to potentially provide a death benefit greater than the Traditional
                  Death Benefit. The Maximum Anniversary Value Death Benefit can only be added to a Contract at issue.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Non-Qualified Contract</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; a Contract that is
                  not purchased under a pension or retirement plan that qualifies for special tax treatment under sections of the Code.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Owner</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; &#8220;you,&#8221; &#8220;your&#8221; and &#8220;yours.&#8221; The
                  person(s) or entity designated at Contract issue and named in the Contract who may exercise all rights granted by the Contract.</font></div>
            </div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;10&#8201;</font></div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Participation Rate</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; a
                percentage that is multiplied by any positive Index Return over the course of a Term in calculating the Performance Credit on the Term End Date. Participation
                Rates are used with the Index Performance Strategy and there is one Participation Rate per Index Option. The Participation Rate is only available on the Index
                Performance Strategy 3-year and 6-year Terms. The Participation Rate is not available on Index Performance Strategy 1-year Terms. Index Options with a Participation Rate may allow you to receive more than the Index Return if the Index Return is positive, but the Participation Rate cannot boost Index Returns beyond any declared Cap. We do </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">not</font><font style="color: #000000; font-family: Times New Roman;"> apply the Participation Rate if the Index Return is zero or negative. We do </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">not</font><font style="color: #000000; font-family: Times New Roman;"> apply the Participation Rate annually. We set Participation Rates on each Term Start Date.
                The Participation Rates applicable to your Contract are shown on the Index Options Statement.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Payee</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the person or entity who receives
                  Annuity Payments during the Annuity Phase.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Penalty-Free Withdrawals</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; withdrawals you
                  take that are not subject to a withdrawal charge. Penalty-Free Withdrawals include withdrawals you take under the free withdrawal privilege or waiver of
                  withdrawal charge benefit, RMD payments you take under our minimum distribution program, and Income Payments.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Performance Credit</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the return you receive
                  on a Term End Date from the Index Option(s). We base Performance Credits on Index Values and Index Returns after application of any Participation Rate up to
                  the Cap, any Trigger Rate, or any Buffer or Floor. Performance Credits cannot be negative with the Index Protection Strategy with Trigger or Index Protection Strategy with Cap Index Options. </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">However, Performance Credits
                  can be negative with the Index Dual&#160;Precision Strategy,&#160;Index Precision Strategy, Index Guard Strategy, and Index Performance Strategy Index
                Options.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">If Performance Credits are negative,</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">you can lose principal and previous earnings.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Performance Lock</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; a feature that allows you
                  to capture the current Index Option Value during the Term. A Performance Lock applies to the total Index Option Value in an Index Option, and not just a
                  portion of that Index Option Value. After the Lock Date, Daily Adjustments do not apply to a locked Index Option for the remainder of the Term and the locked
                Index Option Value will not receive a Performance Credit on the Term End Date. We will not execute your request for&#160;a Performance Lock on Index Protection Strategy with Trigger or Index Protection Strategy with Cap Index Options if the Daily Adjustment is zero.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Proxy Investment</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; provides a current
                  estimate of what the Performance Credit will be on the Term End Date taking into account any applicable Buffer, Floor, Trigger Rate, Cap, and/or Participation
                  Rate. We use the Proxy Investment to calculate the Daily Adjustment on Business Days other than the Term Start Date or Term End Date. For more information, see Appendix B.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Proxy Value</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the hypothetical value of the
                  Proxy Investment used to calculate the Daily Adjustment as discussed in Appendix B.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Purchase Payment</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the money you put into the
                  Contract.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Qualified Contract</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; a Contract purchased
                  under a pension or retirement plan that qualifies for special tax treatment under sections of the Code (for example, 401(a) and 401(k) plans), Individual
                  Retirement Annuities (IRAs), or Tax-Sheltered Annuities (referred to as TSA/403(b) Contracts). Currently, we issue Qualified Contracts that may include, but
                  are not limited to Roth IRAs, traditional IRAs and Simplified Employee Pension (SEP) IRAs.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Quarterly Contract Anniversary</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the day that
                  occurs three calendar months after the Issue Date or any subsequent Quarterly Contract Anniversary.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Separate Account</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; Allianz Life Variable
                  Account B is a separate investment account of Allianz Life. The variable investment portion of the Contract is issued through the Separate Account. The
                  Separate Account is divided into subaccounts, each of which is a variable investment option under one or more variable annuity contracts that we issue through the Separate Account. The only subaccount currently available under this Contract is the Variable Option, which invests exclusively in shares of the AZL Government Money Market Fund.&#160; The Separate Account is registered with the SEC as a unit
                  investment trust, and may be referred to as the Registered Separate Account.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Service Center</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the area of our company that
                  issues Contracts and provides Contract maintenance and routine customer service. Our Service Center address and telephone number are listed at the back of
                  this prospectus. The address for mailing applications, and/or checks for Purchase Payments may be different and is also listed at the back of this prospectus.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Term </font><font style="color: #000000; font-family: Times New Roman;">&#8211; the period of time, from the Term
                  Start Date to the Term End Date, in which we measure Index Return to determine Performance Credits.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;11&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_51cedbe3-1494-43c7-abd4-dbfd63e1f33a_7"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Term End Date &#8211; </font><font style="color: #000000; font-family: Times New Roman;">the day on
                which a Term ends and we apply Performance Credits. A Term End Date may only occur on an Index Anniversary. If a Term End Date does not occur on a Business Day,
                we consider it to occur on the next Business Day.</font></div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Term Start Date &#8211; </font><font style="color: #000000; font-family: Times New Roman;">the day on which a Term
                  begins, and we set the Trigger Rates, Caps, and Participation Rates for an Index Option. A Term Start Date may only occur on the Index Effective Date or an
                  Index Anniversary. However, if you execute an Early Reallocation, the Term Start Date will be the Business Day we receive your Early Reallocation request in Good Order. If a Term Start Date does not occur on a Business Day, we consider it to occur on the next Business Day.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Traditional Death Benefit</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the guaranteed
                  death benefit automatically provided by the Contract for no additional fee described in section 11.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Trigger Rate</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; this is the positive
                  Performance Credit you receive on a Term End Date for any Index Option with the Index Protection Strategy with Trigger, Index Dual Precision Strategy, or
                  Index Precision Strategy. You receive the Trigger Rate on the Term End Date if the current Index Value is equal to or greater than the Index Value on the Term
                  Start Date. For the Index Dual Precision Strategy, you also receive the Trigger Rate if the Index Return is negative and the loss is less than or equal to the Buffer. For the Index Protection Strategy with Trigger, you will not receive a negative Performance Credit if the Index Value decreases from the Term Start Date to the Term End Date. For the Index Dual Precision
                  Strategy and the Index Precision Strategy, you will receive a negative Performance Credit if the Index Value decreases from the Term Start Date to the Term
                  End Date and the decrease is greater than the Buffer. On each Term Start Date, we set a Trigger Rate for each Index Option with the Index Protection Strategy
                  with Trigger, Index Dual Precision Strategy, and Index Precision Strategy. The Trigger Rates provide predefined upside potential. The Trigger Rates applicable to your Contract are shown on the Index Options Statement.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Valid Claim</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the documents we require to be
                  received in Good Order at our Service Center before we pay any death claim. This includes the death benefit payment option, due proof of death, and any
                  required governmental forms. Due proof of death includes a certified copy of the death certificate, a decree of court of competent jurisdiction as to the
                  finding of death, or any other proof satisfactory to us.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Variable Account Value</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; on any Business Day
                  it is equal to the value of the units in the Variable Option attributable to your Contract.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Variable Option</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; a subaccount of the
                  Separate Account, and the only variable investment option under the Contract. The Variable Option invests exclusively in the shares of the AZL Government
                  Money Market Fund. You cannot allocate Purchase Payments or other amounts in your Contract (e.g., earnings) to the Variable Option.</font></div>
            </div>
            <div style="line-height:10.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Withdrawal Charge Basis</font><font style="color: #000000; font-family: Times New Roman;"> &#8211; the total amount
                  under your Contract that is subject to a withdrawal charge as discussed in section 6, Expenses &#8211; Withdrawal Charge.</font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;12&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_0f216e10-13f9-4362-b77c-ea7aa031715f_1"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:13.0pt;margin-top:12pt;text-align:left;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 0pt; top: -2pt; width: 494pt;"><font style="color: #000000; font-size: 11pt; text-transform: uppercase;">Important
                Information You Should Consider About the Contract</font><font style="color: #000000; font-size: 1pt;">&#8195;</font></div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z62a1f0adb1384c1fa7e591344dfff9c7" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:28pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td colspan="3" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:343pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">FEES AND
                            EXPENSES</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Prospectus</font></div>
                        <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Location</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:141.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">for Early</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawals</font></div>
                      </div>
                    </td>
                    <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:343pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Your Contract is subject to withdrawal charges that
                            differ depending on when you </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">purchased the Contract.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">&#8226;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.5pt;">If you purchase the Contract on or after May 1, 2024, and you withdraw money from </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">the Contract within </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">six years of your last Purchase Payment, you will be
                            assessed a </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">withdrawal charge of up to </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">8% of the Purchase Payment withdrawn, declining to 0%
                          </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">over that time period.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:19.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">&#8226;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.5pt;">If you purchased the Contract on or before April 30, 2024, and you withdraw money </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">from the Contract within six years of your last Purchase
                            Payment, you will be </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">assessed a withdrawal charge of up to 8.5% of the
                            Purchase Payment withdrawn, </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">declining to 0% over that time period.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Fee Tables</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">4. Valuing Your</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">6. Expenses</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Appendix B &#8211; </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Daily</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustment</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:290.5pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">For example, for Contracts issued on or after May 1, 2024, if you invest $100,000 in the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract and make an early withdrawal, you could pay a
                            withdrawal charge of up to $8,000</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(or $8,500 for Contracts issued on or before April 30, 2024).</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">In addition, if you take a full or partial withdrawal
                            (including financial adviser fees that you </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">choose to have us pay from this Contract) from an Index
                            Option on a date other than the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Term End Date, a Daily Adjustment will apply to the Index
                            Option Value available for </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">withdrawal. The Daily Adjustment also applies if before
                            the Term End Date you take Income </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Payments, you execute a Performance Lock, you annuitize
                            the Contract, we pay a death </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">benefit, or we deduct Contract fees and expenses. The
                            Daily Adjustment may be negative </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">depending on the applicable Crediting Method. You will
                            lose money if the Daily Adjustment </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">is negative.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">&#8226;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:6.5pt;">Index Dual&#160;Precision Strategy,&#160;Index Precision Strategy, Index Guard Strategy, </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:19.0pt;">and Index Performance Strategy</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. Daily Adjustments under these Crediting Methods </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">may be positive, negative, or equal to zero. A negative
                            Daily Adjustment will result in a </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">loss. In extreme circumstances, a negative Daily
                            Adjustment could result in a loss </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">beyond the protection of the 10%, 20%, or 30% Buffer; or
                            -10% Floor, as applicable. </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">The maximum potential loss from a negative Daily
                            Adjustment is: -99% for the Index </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">Dual&#160;Precision Strategy, Index Precision Strategy, and
                            Index Performance Strategy; </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">and -35% for the Index Guard Strategy.&#160;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:19.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">&#8226;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:6.5pt;">Index Protection Strategy with Trigger and Index Protection Strategy with Cap</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">Daily Adjustments under these Crediting Methods may be
                            positive or equal to zero, but </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:19.0pt;">cannot be negative.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:24pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transaction</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charges</font></div>
                      </div>
                    </td>
                    <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:343pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Other than withdrawal charges and Daily Adjustments that
                            may apply to withdrawals and </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">other transactions under the Contract, there are no other
                            transaction charges.</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Not Applicable</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;13&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_0f216e10-13f9-4362-b77c-ea7aa031715f_2"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z5bbf6e0742084904b90e315db2d5eeea" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:28pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td colspan="3" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:343pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">FEES AND
                            EXPENSES</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Prospectus</font></div>
                        <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Location</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:82pt;">
                    <td rowspan="5" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Ongoing</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Fees and</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Expenses</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(annual</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">charges)</font></div>
                      </div>
                    </td>
                    <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The table below describes the fees and expenses that you
                            may pay </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">,
                            depending </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">on the options you choose. Please refer to your Contract
                            specifications page for information </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">about the specific fees you will pay </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> based on the options you
                            have elected. </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">These ongoing fees and expenses do not reflect any
                            financial adviser fees paid to a </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Financial Professional from your Contract Value or other
                            assets of the Owner. If such </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">charges were reflected, these ongoing fees and expenses
                            would be higher.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                      </div>
                    </td>
                    <td rowspan="5" style="padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Fee Tables</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">6. Expenses</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Appendix G &#8211; </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Fund Available </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Under the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:16pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:173pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Annual Fee</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:85pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Minimum</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:85pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:16pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:173pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Base Contract</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</font>
                          <div style="clear:right;"> </div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.95%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.95%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:27pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:173pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Investment Options</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</font>
                          <div style="clear:right;"> </div>
                        </div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(Fund fees and expenses)</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.88%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.88%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:38pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:173pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Optional Benefits Available for an Additional </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Charge</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</font>
                          <div style="clear:right;"> </div>
                        </div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(for a single optional benefit, if elected)</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:85pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.20%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:32pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:343pt;">
                      <div style="line-height:9pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(1)</font>
                          <div style="clear:right;"> </div>
                        </div>
                      </div>
                      <div style="line-height:9pt;text-align:left;margin-top:-9pt;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">Base Contract fee is comprised of two charges referred to
                            as the &#8220;product fee&#8221; and the &#8220;rider fee for the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">Income Benefit&#8221; in the Contract and elsewhere in this
                            prospectus. As a percentage of the Charge Base, plus </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">an amount attributable to the estimated contract
                            maintenance charge based on expected Contract sales.</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:16pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:343pt;">
                      <div style="line-height:9pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(2)</font>
                          <div style="clear:right;"> </div>
                        </div>
                      </div>
                      <div style="line-height:9pt;text-align:left;margin-top:-9pt;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">As a percentage of the AZL Government Money Market&#160;Fund's
                            average daily net assets.</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:23pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:343pt;">
                      <div style="line-height:9pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;margin-left:0.0pt;position:relative;top:-3.25pt;">(3)</font>
                          <div style="clear:right;"> </div>
                        </div>
                      </div>
                      <div style="line-height:9pt;text-align:left;margin-top:-9pt;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">As a percentage of the Charge Base. This is the current
                            charge for the Maximum Anniversary Value Death </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:12.0pt;">Benefit.</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:110pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Because your Contract is customizable, the choices you
                            make affect how much you will </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">pay. To help you understand the cost of owning your
                            Contract, the following table shows the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">lowest and highest cost you could pay each year, based on
                            current charges. This estimate </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">assumes that you do not take withdrawals from the
                            Contract, </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">which</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">could be subject to a </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">withdrawal charge, and if taken from the
                            Index Dual&#160;Precision Strategy,&#160;Index </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Precision Strategy, Index Guard
                            Strategy, and Index Performance Strategy Index </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Options could result in substantial
                            losses due to the application of negative Daily </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustments</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:27pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:173pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Lowest Annual Cost:</font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$2,500</font></div>
                      </div>
                    </td>
                    <td colspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:170pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Highest Annual Cost:</font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">$2,652</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:4.5pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:126pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:173pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Assumes:</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.5pt;">Investment of $100,000 in the Variable </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Option (even though you cannot select </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">the Variable Option for investment)</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.5pt;">5% annual appreciation</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.5pt;">0.70% Income Benefit rider fee</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.5pt;">Traditional Death Benefit</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.5pt;">No additional Purchase Payments, </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">transfers, or withdrawals</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.5pt;">No financial adviser fees</font></div>
                      </div>
                    </td>
                    <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:170pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Assumes:</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.5pt;">Investment of $100,000 in the Variable </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Option (even though you cannot select </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">the Variable Option for investment)</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.5pt;">5% annual appreciation</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.5pt;">0.70% Income Benefit rider fee</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.5pt;">Maximum Anniversary Value Death </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Benefit with a 0.20% rider fee</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.5pt;">No additional Purchase Payments, </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">transfers, or withdrawals</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.5pt;">No financial adviser fees</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:16pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td colspan="3" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:343pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">RISKS</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:24pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risk of</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Loss</font></div>
                      </div>
                    </td>
                    <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:343pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">You can lose money by investing in the Contract,
                            including loss of principal and previous </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">earnings.</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risk Factors</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;14&#8201;</font></div>
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      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
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                  <tr style="height:28pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td colspan="3" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:343pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">RISKS</font></div>
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                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Prospectus</font></div>
                        <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Location</font></div>
                      </div>
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                  <tr style="height:324pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Not a</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Short-Term</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment</font></div>
                      </div>
                    </td>
                    <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;This Contract is not a short-term investment and is not appropriate if you need ready </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">access to cash.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Considering the benefits of tax deferral, long-term income, and living benefit guarantees, </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the Contract is generally more beneficial to investors
                            with a long investment time horizon.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Withdrawals are subject to income taxes, and may also be subject to a 10% additional </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">federal tax for amounts withdrawn before age 59&#8202;</font><font style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8725;</font><font style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If, within six years after we receive a Purchase Payment, you take a full or partial </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawal (including financial adviser fees that you
                            choose to have us pay from this </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract), withdrawal charges will apply. A withdrawal
                            charge will reduce your Contract </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Value or the amount of money that you actually receive.
                            Withdrawals may reduce or end </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract guarantees.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Amounts invested in an Index Option must be held in the Index Option for the full Term </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">before they can receive a Performance Credit. We apply a
                            Daily Adjustment if, before the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Term End Date, you take a full or partial withdrawal
                            (including financial adviser fees that </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">you choose to have us pay from this Contract), you take
                            Income Payments, you execute </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">a Performance Lock, you annuitize the Contract, we pay a
                            death benefit, or we deduct </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract fees and expenses.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;A minimum waiting period applies before Income Payments may be taken under the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Income Benefit. In addition, even if the waiting period
                            has expired, Income Payments </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">cannot begin before age 50.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Withdrawals will reduce the initial annual maximum Income Payment. Withdrawals that </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">exceed limits specified by the terms of the Income
                            Benefit (Excess Withdrawals) will </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">reduce your future annual maximum Income Payment. These
                            reductions may be greater </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">than the value withdrawn and could end the benefit.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;The Traditional Death Benefit may not be modified, but it will terminate if you take </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawals (including Income Payments) that reduce both
                            the Contract Value and </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Guaranteed Death Benefit Value to zero. Withdrawals may
                            reduce the Traditional Death </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Benefit&#8217;s Guaranteed Death Benefit Value by more than
                            the value withdrawn and could </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">end the Traditional Death Benefit.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risk Factors</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">4. Valuing Your</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">11. Death Benefit</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Appendix B &#8211; </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Daily Adjustment</font></div>
                      </div>
                    </td>
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                  <tr style="height:71pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risks</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Associated</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">with</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Options</font></div>
                      </div>
                    </td>
                    <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;An investment in the Contract is subject to the risk of poor investment performance and </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">can vary depending on the performance of the Variable
                            Option and the Index Options </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">available under the Contract.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;The Variable Option and each Index Option have their own unique risks.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;You should review the Fund&#8217;s prospectus and disclosures, including risk factors, before </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">making an investment decision.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risk Factors</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:57pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Insurance</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Company</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risks</font></div>
                      </div>
                    </td>
                    <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:343pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An investment in the Contract is subject to the risks
                            related to us. All obligations, </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">guarantees or benefits of the Contract are the
                            obligations of Allianz Life and are subject to </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">our claims-paying ability and financial strength. More
                            information about Allianz Life, </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">including our financial strength ratings, is available
                            upon request by visiting </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">www.allianzlife.com/about/financial-ratings, or contacting us at (800) 624-0197.</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risk Factors</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;15&#8201;</font></div>
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      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
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          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="zccc3c9783d294c22bf1179e3bad4cc34" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:28pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td colspan="3" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:343pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">RESTRICTIONS</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Prospectus</font></div>
                        <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Location</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:346pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investments</font></div>
                      </div>
                    </td>
                    <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Certain Index Options may not be available under your Contract.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;You cannot allocate Purchase Payments to the Variable Option. The sole purpose of the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Variable Option is to hold Purchase Payments until they
                            are transferred to your selected </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Options.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;We restrict additional Purchase Payments during the Accumulation Phase. Each Index </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Year before the Income Period, you cannot add more than
                            your initial amount (i.e., the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">total of all Purchase Payments received before the first
                            Quarterly Contract Anniversary of </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the first Contract Year) without our prior approval.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;We do not accept additional Purchase Payments during the Income Period (which is part </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">of the Accumulation Phase) or the Annuity Phase.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;We typically only allow assets to move into the Index Options on the Index Effective Date </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">and on subsequent Index Anniversaries as discussed in
                            section 3, Purchasing the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract &#8211; Allocation of Purchase Payments and Contract
                            Value Transfers. However, if </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">you execute an Early Reallocation, we will move assets
                            into an Index Option on the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Business Day we receive your Early Reallocation request
                            in Good Order.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;You can typically transfer Index Option Value only on Term End Dates. However, you can </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">transfer assets out of an Index Option before the Term
                            End Date by executing a </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Performance Lock as discussed in section 4, Valuing Your
                            Contract &#8211; Performance Locks.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;We do not allow assets to move into an established Index Option until the Term End Date. </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">If you request to allocate a Purchase Payment into an
                            established Index Option on an </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Anniversary that is not a Term End Date, we will
                            allocate those assets to the same </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Option with a new Term Start Date.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;The Income Benefit terms stated in the Income Benefit Supplement may be modified </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">before issue. After the Issue Date the Income Benefit
                            may terminate under certain </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">circumstances as stated in section 10, Income Benefit.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;During the Income Period only the Index Options with the Index Protection Strategy with </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Trigger and Index Protection Strategy with Cap are
                            available to you.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;We reserve the right to substitute the Fund in which the Variable Option invests. We also </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">reserve the right to discontinue accepting new
                            allocations into specific Index Options and </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">to substitute Indexes either on a Term Start Date or
                            during a Term. We also reserve the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">right to decline any or all Purchase Payments at any
                            time on a nondiscriminatory basis.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Risk Factors</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">3. Purchasing the</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">4. Valuing Your</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">5. Information </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Related to the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Variable Option's </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Underlying Fund</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">10. Income </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Appendix A &#8211;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Available Indexes</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:60pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefits</font></div>
                      </div>
                    </td>
                    <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;The optional Maximum Anniversary Value Death Benefit may not be modified. </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Withdrawals (including Income Payments) may reduce the
                            Maximum Anniversary Value </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Death Benefit&#8217;s Guaranteed Death Benefit Value by more
                            than the value withdrawn and </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">will end the Maximum Anniversary Value Death Benefit if
                            the withdrawals reduce both the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract Value and Guaranteed Death Benefit Value to
                            zero.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">11. Death Benefit</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:16pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td colspan="3" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:343pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">TAXES</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:115pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Tax</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Implications</font></div>
                      </div>
                    </td>
                    <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:343pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Consult with a tax professional to determine the tax implications of an investment in and </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawals from or payments received under the
                            Contract.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If you purchased the Contract through a tax-qualified plan or individual retirement account </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">(IRA), you do not get any additional tax benefit under
                            the Contract.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Generally, earnings under a Non-Qualified Contract are taxed at ordinary income rates </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">when withdrawn, and may also be subject to a 10%
                            additional federal tax for amounts </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawn before age 59</font><font style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8725;</font><font style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Generally, distributions from Qualified Contracts are taxed at ordinary income tax rates </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">when withdrawn, and may also be subject to a 10%
                            additional federal tax for amounts </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawn before age 59</font><font style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8725;</font><font style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">12. Taxes</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:16pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td colspan="3" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:343pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">CONFLICTS OF
                            INTEREST</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:79pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Professional</font></div>
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Compensation</font></div>
                      </div>
                    </td>
                    <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:343pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Your Financial Professional may receive compensation for
                            selling this Contract to you, in </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the form of commissions, additional cash benefits (e.g.,
                            cash bonuses), and non-cash </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">compensation. We and/or our wholly owned subsidiary
                            distributor may also make marketing </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">support payments to certain selling firms for marketing
                            services and costs associated with </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract sales. This conflict of interest may influence
                            your Financial Professional to </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">recommend this Contract over another investment for which
                            the Financial Professional is </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">not compensated or compensated less.</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">13. Other</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Information &#8211;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Distribution</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;16&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
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        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z37712a81c1744a24a7d986a45177db3d" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:28pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td colspan="3" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:343pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">CONFLICTS OF
                            INTEREST</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Prospectus</font></div>
                        <div style="margin-left:4.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Location</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:46pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:69.5pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Exchanges</font></div>
                      </div>
                    </td>
                    <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:343pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Some Financial Professionals may have a financial
                            incentive to offer you a new contract in </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">place of one you already own. You should only exchange
                            your contract if you determine, </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">after comparing the features, fees, and risks of both
                            contracts, that it is better for you to </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">purchase the new contract rather than continue to own
                            your existing contract.</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:81.5pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">13. Other</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Information &#8211;</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Distribution</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:1.0pt;text-align:left;"> </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;17&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
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    <div>
      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_1"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:13.0pt;margin-top:12pt;text-align:left;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 0pt; top: -2pt; width: 494pt;"><font style="color: #000000; font-size: 11pt; text-transform: uppercase;">Overview of the
                Contract</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-style: italic; font-weight: bold;">What Is the Purpose of the Contract?</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Times New Roman;font-size:4.5pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> is a product that offers Index Options and allows you to defer taking regular fixed periodic payments </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(Annuity Payments)</font><font style="color: #000000; font-family: Times New Roman;"> to a future
                  date. Under the Contract, you make one or more Purchase Payments. Except for Purchase Payments received on the Index Effective Date or an Index Anniversary,
                  each Purchase Payment is first invested for a limited time in the Variable Option and then transferred to the Index Option(s) that you select for investment.
                Depending on several factors (e.g., Index Options you select, market conditions, and timing of any withdrawals), your Contract can gain or lose value. When you are ready to receive a guaranteed stream of income under your Contract, you can annuitize the Contract and begin receiving Annuity Payments from us based on the payout option you select </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(Annuity
                Options)</font><font style="color: #000000; font-family: Times New Roman;">. The Contract includes, for no additional charge, a
                  standard death benefit (the Traditional Death Benefit), or for an additional rider fee you may select the optional death benefit (the Maximum Anniversary
                  Value Death Benefit) to replace the standard death benefit. Both death benefits help to financially protect your beneficiaries. The Contract also includes a guaranteed lifetime income benefit </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(Income Benefit)</font><font style="color: #000000; font-family: Times New Roman;"> that may help you achieve your financial goals.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We designed the Contract for people who are looking for guaranteed lifetime income with continued access to Contract Value, a death benefit for a period of time, and a level of protection for your principal investment while providing potentially higher returns than are available on traditional fixed annuities. In addition, you should have a long investment time
                  horizon and your financial goals should be otherwise consistent with the terms and conditions of the Contract. This Contract is not intended for someone who
                  is seeking complete protection from downside risk, seeking unlimited investment potential, or expecting to take withdrawals that will not be subject to
                  withdrawal charges or Daily Adjustments (i.e., a person that does not need access to Contract Value within six&#160;years after we receive a Purchase Payment, or
                  before an Index Option's Term End Date). If you have Index Options with different Term End Dates, there may be no time you can take a withdrawal without application of at least one Daily Adjustment.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We offer other annuity contracts that may address your investment and retirement needs. These contracts include other registered index-linked annuities and fixed index annuities. These annuity products offer different features and benefits that may be more appropriate for your needs, including allocation options, fees and/or expenses that are different from those in the Contract offered by this prospectus. Not every contract is offered through every Financial Professional. Some Financial Professionals or selling firms may not offer and/or limit offering of certain features and benefits, as well as limit the availability of the contracts based on criteria established by the Financial Professional or selling firm. For more information about other annuity contracts, please contact your Financial Professional.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The product or certain product features may not be available in all states, or may vary in your state (such as the free look). For more information see Appendix F - Material Contract Variations by State and Issue Date. Availability of Index Options may vary by financial intermediary. You can obtain information on which Index Options are available to you by calling (800) 624-0197, or from your Financial Professional.</font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;18&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
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          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Arial Narrow; font-style: italic; font-weight: bold;">What Are the Phases of the Contract?</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Contract has two phases: (1) an Accumulation Phase, and (2) an Annuity Phase.</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Accumulation Phase.</font><font style="color: #000000; font-family: Times New Roman;"> This is the first phase of your Contract, and it begins on the Issue Date. During the Accumulation Phase, your money is invested under the Contract on a tax-deferred basis. Tax deferral may not be available for certain non-individually
                    owned contracts. Tax deferral means you are not taxed on any earnings or appreciation on the assets in your Contract until you take money out of your
                    Contract. In addition, during this phase, you can make additional Purchase Payments&#160;(subject to limitations and until you request Income Payments under the
                    Income Benefit), you can take withdrawals (including Income Payments), and if you die, we pay a death benefit to your named Beneficiary(ies). If you begin Income Payments, the Income Period occurs during the Accumulation Phase and starts on the Income Benefit Date.&#160; For more information regarding additional Purchase Payment limitations, please see section 3, Purchasing the Contract
                    &#8211; Purchase Requirements.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-left:14pt;margin-top:7.5pt;text-align:left;">
              <div style="margin-top:7pt;"><font style="color: #000000; font-family: Times New Roman;">Your Contract Value may fluctuate up or down during the Accumulation Phase based on the performance of your selected Index Options and the Variable Option.</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:7.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Options.</font><font style="color: #000000; font-family: Times New Roman;"> You may allocate your Purchase Payments to any or all of the Index Options available under your Contract. There are currently 58 Index Options based on different combinations of six credit calculation methods </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(Crediting
                    Methods)</font><font style="color: #000000; font-family: Times New Roman;">, four nationally recognized third-party broad based equity securities price return Indexes&#160;and an exchange-traded fund, and three Term periods for measuring Index performance. Each Index Option is the combination of an
                    Index, a Crediting Method, a Term length, and any applicable Buffer or Floor amount. The Index Options do not directly participate in the returns of the
                    Indexes or the Indexes' component securities, and do not receive any dividends payable on these securities. Index Returns would be higher if they included
                    the dividends from the component securities. You should understand that you will have no voting rights, no rights to receive cash dividends or other distributions, and no other rights with respect to the companies that comprise the Indexes.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:0.0pt;margin-top:6.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:6pt;">
              <table cellspacing="0" cellpadding="0" id="z76faac2567a546038c3aa1338678238d" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:63pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:140.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Currently Available</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                        <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Crediting Methods, Term </font></div>
                        <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Lengths, and</font></div>
                        <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Negative Index Performance </font></div>
                        <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Protection</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:164pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Currently</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Available Indexes</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:189.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Positive Index Performance</font></div>
                        <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Participation Limit</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:60pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:140.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Protection Strategy</font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">with Trigger 1-year Term with</font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">100% downside protection</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:164pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;S&amp;P 500</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Russell 2000</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Nasdaq-100</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;EURO STOXX 50</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;iShares</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> MSCI Emerging Markets ETF</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:189.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;0.50% minimum Trigger Rate</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:60pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:140.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Protection Strategy</font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">with Cap 1-year Term with</font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">100% downside protection</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:164pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;S&amp;P 500</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Russell 2000</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Nasdaq-100</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;EURO STOXX 50</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;iShares</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> MSCI Emerging Markets ETF</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:189.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;0.50% minimum Cap</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:122.5pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:140.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Dual Precision Strategy</font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">1-year Term with 10%, 20%, or </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">30% Buffer</font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#8226;&#8194;For Contracts issued from May 1, 2023, </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">to November 13, 2023, the Index Dual </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">Precision Strategy is not available.</font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#8226;&#8194;For Contracts issued from November </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">14, 2023, to April 30, 2024, only the 10% </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">Buffer is available.</font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#8226;&#8194;For Contracts issued since May 1, 2024, </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">the 10%, 20%, and 30% Buffers are </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">available.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:164pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;S&amp;P 500</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Russell 2000</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Nasdaq-100</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;EURO STOXX 50</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;iShares</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> MSCI Emerging Markets ETF</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:189.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;3% minimum Trigger Rate</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:58.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:140.5pt;">
                      <div style="line-height:11.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Precision Strategy</font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">1-year Term with 10% Buffer</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:164pt;">
                      <div style="line-height:11.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;S&amp;P 500</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Russell 2000</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Nasdaq-100</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;EURO STOXX 50</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;iShares</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> MSCI Emerging Markets ETF</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:189.5pt;">
                      <div style="line-height:11.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;3% minimum Trigger Rate</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
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                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Currently Available </font></div>
                        <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Crediting Methods, Term </font></div>
                        <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Lengths, and</font></div>
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                        <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Protection</font></div>
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                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Currently</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Available Indexes</font></div>
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                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Positive Index Performance</font></div>
                        <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Participation Limit</font></div>
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                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:140.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Guard Strategy</font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">1-year Term with -10% Floor</font></div>
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                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:164pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;S&amp;P 500</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Russell 2000</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Nasdaq-100</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;EURO STOXX 50</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;iShares</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> MSCI Emerging Markets ETF</font></div>
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                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:189.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;3% minimum Cap</font></div>
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                  <tr style="height:94pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:140.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Performance Strategy</font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">1-year Term with 10%, 20%, or </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">30% Buffer</font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#8226;&#8194;For Contracts issued from May 1, 2023, </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">to November 13, 2023, only the 10% </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">Buffer is available.</font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#8226;&#8194;For Contracts issued since November </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">14, 2023, the 10%, 20%, and 30% Buffers </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">are available.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:164pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;S&amp;P 500</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Russell 2000</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Nasdaq-100</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;EURO STOXX 50</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;iShares</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> MSCI Emerging Markets ETF</font></div>
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                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:189.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;3% minimum Cap</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Can be &#8220;uncapped&#8221; (i.e., we do not declare a </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Cap for that Term)</font></div>
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                  <tr style="height:37pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:140.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Performance Strategy</font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">3-year Term with 10% or 20% </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Buffer</font></div>
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                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:164pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;S&amp;P 500</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Russell 2000</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:189.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;5% minimum Cap</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Can be uncapped</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;100% minimum Participation Rate</font></div>
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                    </td>
                  </tr>
                  <tr style="height:92.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:140.5pt;">
                      <div style="line-height:11.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Performance Strategy</font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">6-year Term with 10% or 20% </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Buffer</font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#8226;&#8194;For Contracts issued from May 1, 2023, </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">to November 13, 2023, only the 10% </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">Buffer is available.</font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#8226;&#8194;For Contracts issued since November </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">14, 2023, the 10% and 20% Buffers are </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">available.</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:164pt;">
                      <div style="line-height:11.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;S&amp;P 500</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Russell 2000</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:189.5pt;">
                      <div style="line-height:11.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;10% minimum Cap</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Can be uncapped</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;100% minimum Participation Rate</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-left:28pt;margin-top:11pt;text-align:left;">
              <div style="margin-top:11pt;"><font style="color: #000000; font-family: Times New Roman;">Your initial, renewal, and Early Reallocation Trigger Rates, Caps, and Participation Rates for your selected Index Options and their Buffers or Floors are stated in your Index Options Statement, which is the account statement we mail to you on the Index Effective Date and each Index Anniversary. The Index Options Statement also includes the Index Values on the
                  Term Start Date and Term End Date for your selected Index Options. We use these Index Values to determine Index Returns and Performance Credits. The Buffers
                  or Floors for all currently available Index Options are stated in your Contract. The Buffers or Floors for the currently available Index Options will not
                  change for the life of the Contract. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">More
                  detailed information about the Index Options is included in section</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">4, Valuing Your Contract.</font></div>
            </div>
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              <div style="clear:both;margin-top:7.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Variable Option.</font><font style="color: #000000; font-family: Times New Roman;"> You cannot allocate your Purchase Payments to the Variable Option available under your Contract.
                    We only allow assets to move into the Index Options on Term Start Dates and Term End Dates. As a result, we hold Purchase Payments you allocate to the Index
                    Options in the Variable Option when we receive them on days other than the Index Effective Date or Index Anniversaries. We then transfer them to the Index
                    Options on the next Index Anniversary according to your allocation instructions. The Variable Option invests in an underlying fund, which has its own investment objective, strategies, and risks. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">For more information, please see Appendix G - Fund Available
                    Under the Contract.</font></div>
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              <div style="clear:both;margin-top:7.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Annuity Phase.</font><font style="color: #000000; font-family: Times New Roman;"> If you request Annuity Payments, the Accumulation Phase&#160;(including the Income Period under the Income Benefit, if applicable) ends and the </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Annuity Phase</font><font style="color: #000000; font-family: Times New Roman;"> begins. Annuity Payments are fixed payments we make based on the Annuity Option you select and your Contract Value (which reflects
                    any previously deducted Contract fees and expenses)&#160;less final product and rider fees. Annuity Payments can provide a guaranteed lifetime fixed income stream with certain tax advantages. We designed the Annuity Payments for Owners who no longer need immediate access to Contract Value to meet their short-term income needs.</font></div>
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            <div style="line-height:12.0pt;margin-left:14pt;margin-top:5pt;text-align:left;">
              <div style="margin-top:5pt;"><font style="color: #000000; font-family: Times New Roman;">If the Annuity Date occurs after Income Payments begin, we will convert these payments to Annuity Payments if your Contract Value is greater than zero and you take Annuity Payments under Annuity Option B if you are receiving single Income Payments, or Annuity Option F if you are receiving joint Income Payments. If you select any other Annuity </font></div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;20&#8201;</font></div>
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            <div style="line-height:12.0pt;margin-left:14pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">Option we do </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">not</font><font style="color: #000000; font-family: Times New Roman;"> convert your Income Payments to Annuity Payments. </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">This means you may receive less as Annuity Payments than you
                would have received as Income Payments. You should consult with your Financial Professional before requesting Annuity Payments.</font><font style="color: #000000; font-family: Times New Roman;"> For more information, see section 8, The Annuity Phase &#8211; When Annuity Payments Begin.</font></div>
            <div style="line-height:12.0pt;margin-left:14pt;margin-top:7.5pt;text-align:left;">
              <div style="margin-top:7pt;"><font style="color: #000000; font-family: Times New Roman;">During the Annuity Phase, you will receive a stream of regular income in the form of Annuity Payments. You will be unable to take withdrawals upon demand, your selected death benefit ends, and no amounts will be payable upon death during the Annuity Phase unless your Annuity Option provides otherwise. The Income Benefit will also end upon entering the Annuity
                  Phase unless we convert your Income Payments to Annuity Payments.</font></div>
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              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-style: italic; font-weight: bold;">What Are the Contract&#8217;s Primary Features?</font></div>
            </div>
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              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Accessing Your Money.</font><font style="color: #000000; font-family: Times New Roman;"> During the Accumulation Phase, you can surrender the Contract (take a full withdrawal), or take partial withdrawals. Withdrawals may be subject to negative Daily Adjustments, are subject to a withdrawal charge, income taxes,
                    and may also be subject to a 10% additional federal tax for amounts withdrawn before age 59</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</font><font style="color: #000000; font-family: Times New Roman;">.</font></div>
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              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Additional Purchase Payments.</font><font style="color: #000000; font-family: Times New Roman;"> Subject to the limitations described in this prospectus, we continue to accept additional Purchase
                    Payments under the Contracts during the Accumulation Phase&#160;and before the Income Period. However, we may terminate your ability to make additional Purchase
                    Payments in the future. We only allow additional Purchase Payments to move into Index Options on the Index Effective Date or Index Anniversaries. As a
                    result, we hold Purchase Payments in the&#160;Variable Option when we receive them on days other than the Index Effective Date or Index Anniversaries. We then transfer them to the Index Options on the next Index Anniversary according to your allocation instructions. For that reason, such Purchase Payments are not available to receive Performance Credits until we transfer them to
                    your selected Index Options and those Index Options reach their respective Term End Dates. We do not allow assets to move into an established Index Option
                    until the Term End Date. If you request to allocate a Purchase Payment into an established Index Option on an Index Anniversary that is not a Term End Date,
                    we will allocate those assets to the same Index Option with a new Term Start Date. Purchase Payments held in the Variable Option are subject to Fund fees and expenses, and Fund performance (which can be negative) until being transferred to the Index Options.</font></div>
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              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Income Benefit.</font><font style="color: #000000; font-family: Times New Roman;"> The Income Benefit is automatically included in your Contract for an additional rider fee. You can remove it from your Contract on or after the third Index Anniversary and before Income Payments begin if your Contract Value is
                    positive. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">If you remove the Income Benefit you will have paid for the benefit without receiving any of its advantages.</font><font style="color: #000000; font-family: Times New Roman;"> The Income Benefit provides for
                    guaranteed lifetime Income Payments until annuitization based on a percentage of your Contract Value. If you request Income Payments, your Contract will
                    enter the Income Period (which is part of the Accumulation Phase). If you do not take Income Payments, your Contract will not have an Income Period, and you will have paid for the benefit without receiving any of its advantages. Unlike the Annuity Phase, the Income Benefit allows access to your Contract Value and your selected death benefit after Income Payments begin while both the Contract
                    Value and Guaranteed Death Benefit Value are positive. The Index Option Values are subject to the Daily Adjustment if we deduct Income Payments other than
                    on a Term End Date. However, the Daily Adjustment for the Index Protection Strategy with Trigger and Index Protection Strategy with Cap cannot be negative.
                    The Income Benefit also includes the Income Multiplier Benefit for no additional charge, which, if you qualify, can increase the annual maximum Income Payment after the required wait period to help pay for care if you should need it. The Income Multiplier Benefit is not available in all states as indicated in Appendix F. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">A full Excess
                    Withdrawal and certain partial Excess Withdrawals will cause Income Payments to stop and the Contract </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold; text-decoration: underline;">and all of its benefits</font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;"> to end. For more information please see section 10, Income
                    Benefit. For information on the terms used to determine your Income Payments, please see the Income Benefit Supplement.</font></div>
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              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Death Benefits.</font><font style="color: #000000; font-family: Times New Roman;"> The Contract&#8217;s death benefit is paid upon the first death of any Determining Life during the Accumulation Phase. The Contract includes for no additional charge a standard death benefit </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(the Traditional Death Benefit)</font><font style="color: #000000; font-family: Times New Roman;">. At the time of purchase, you may select the optional death
                    benefit </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(the Maximum Anniversary Value Death Benefit)</font><font style="color: #000000; font-family: Times New Roman;"> to replace the standard death benefit for an additional rider fee. Either death benefit is the greater of
                    Contract Value, or the Guaranteed Death Benefit Value. Unlike the Traditional Death Benefit, however, the Maximum Anniversary Value Death Benefit locks in any annual investment gains as part of the Guaranteed Death Benefit Value to potentially provide a death benefit greater than the Traditional Death Benefit (which is based on Purchase Payments). The
                    Maximum Anniversary Value Death Benefit cannot be less than the Traditional Death Benefit, but they can be equal.</font></div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;21&#8201;</font></div>
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                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Withdrawal Charge Waivers.</font><font style="color: #000000; font-family: Times New Roman;"> Under the free withdrawal privilege, you may withdraw up to 10% of your total Purchase Payments
                    each Contract Year during the Accumulation Phase and before the Income Period without incurring a withdrawal charge. Upon a full withdrawal, the free
                    withdrawal privilege is not available to you. We do not apply a withdrawal charge to deductions we make for Contract fees or expenses. In most states (see
                    Appendix F),&#160;the waiver of withdrawal charge benefit&#160;allows you to take a withdrawal after the first Contract Year without incurring a withdrawal charge if after the first Contract Anniversary you begin confinement&#160;for care in an eligible facility for at least 90 days in a 120-day period, or are unable to perform at least two activities of daily living. Also, if you own an IRA or Simplified Employee Pension (SEP)&#160;IRA Contract, payments you take under our minimum distribution program (RMD payments) are not subject to a withdrawal charge. The minimum distribution program is not available if you have a qualified plan Contract.
                    Withdrawals under these waivers are still subject to income taxes (and may also be subject to a 10% additional federal tax for amounts withdrawn before age
                    59</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</font><font style="color: #000000; font-family: Times New Roman;">), and to the Daily Adjustment if taken other than on a Term End Date, and may reduce Contract benefits (perhaps significantly and by more than the amount withdrawn).</font></div>
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              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Deduction of Financial Adviser Fees.</font><font style="color: #000000; font-family: Times New Roman;"> If you have a financial adviser and want to pay their financial adviser fees from this
                    Contract, you can instruct us to withdraw the fee from your Contract and pay it to your Financial Professional or Financial Professional&#8217;s firm as
                    instructed. The deduction of financial adviser fees is in addition to this Contract&#8217;s fees and expenses, and the deduction is treated the same as any other
                    withdrawal under the Contract. As such, withdrawals to pay financial adviser fees are subject to withdrawal charges, and to the Daily Adjustment if taken
                    other than on a Term End Date, will reduce the Contract Value and Guaranteed Death Benefit Value (perhaps significantly and by more than the amount withdrawn), are subject to income taxes (and may also be subject to a 10% additional federal tax for amounts withdrawn before age 59</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</font><font style="color: #000000; font-family: Times New Roman;">). </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Please consult with your Financial Professional before requesting us to pay financial adviser fees from this Contract rather than from other assets you may have.</font></div>
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            <div style="line-height:13.0pt;margin-top:12.5pt;text-align:left;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 12.0pt; position: relative; top: -2pt; width: 494pt;"><font style="color: #000000; font-size: 11pt; text-transform: uppercase;">Fee Tables</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the Contract. Please refer to your Contract specifications page for information about the specific fees you will pay each year&#160;based on the options you have elected. These tables do not reflect any financial adviser fees that you pay from your other assets, or that you choose to have us pay from this Contract. If financial adviser fees were reflected, fees and expenses would be higher.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">The first table describes the fees and expenses that you will pay at the time that you buy the Contract, surrender or make withdrawals from the Contract, or transfer Contract Value between investment options. State premium taxes may also be deducted.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Transaction Expenses</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold;">Withdrawal Charge During Your Contract&#8217;s First Phase, the Accumulation Phase</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">(1)</font> <br>
                <font style="color: #000000; font-family: Arial Narrow; margin-left: 0%;">(as a percentage of each Purchase Payment withdrawn)</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">(2)</font><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;">&#8195;</font></div>
            </div>
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              <div style="margin-top:6pt;"> </div>
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            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z480eab754e0047dc911b10cbadd9b1c5" style="empty-cells:show;margin-left:128.3pt;width:237.41pt;">

                  <tr style="height:10.75pt;">
                    <td rowspan="2" style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:86.53pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:-2pt;margin-right:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Number of Complete</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Years Since</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Purchase Payment</font></div>
                        </div>
                      </div>
                    </td>
                    <td colspan="2" style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:150.88pt;">
                      <div style="line-height:13.0pt;text-align:left;">
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                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Withdrawal Charge Amount</font></div>
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                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Contracts issued</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">on or before</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">April 30, 2024</font></div>
                        </div>
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                    </td>
                    <td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:72.44pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Contracts issued</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">on or after</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">May 1, 2024</font></div>
                        </div>
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                    </td>
                  </tr>
                  <tr style="height:12.75pt;">
                    <td style="padding-bottom:2pt;padding-top:1.75pt;vertical-align:Top;white-space:nowrap;width:86.53pt;">
                      <div style="line-height:12pt;margin-left:-2pt;margin-right:4pt;text-align:right;width:80.53pt;">
                        <div style="display:flex;margin:auto;width:6.56pt;">
                          <div style="display:flex;white-space:nowrap;width:6.56pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:1.75pt;vertical-align:Top;white-space:nowrap;width:78.44pt;">
                      <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:66.44pt;">
                        <div style="display:flex;margin:auto;width:20.69pt;">
                          <div style="display:flex;white-space:nowrap;width:20.69pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.5%</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:1.75pt;vertical-align:Top;white-space:nowrap;width:72.44pt;">
                      <div style="line-height:12pt;margin-left:6pt;text-align:right;width:66.44pt;">
                        <div style="display:flex;margin:auto;width:13.85pt;">
                          <div style="display:flex;white-space:nowrap;width:13.85pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:86.53pt;">
                      <div style="line-height:12pt;margin-left:-2pt;margin-right:4pt;text-align:right;width:80.53pt;">
                        <div style="display:flex;margin:auto;width:6.56pt;">
                          <div style="display:flex;white-space:nowrap;width:6.56pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:78.44pt;">
                      <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:66.44pt;">
                        <div style="display:flex;margin:auto;width:20.69pt;">
                          <div style="display:flex;white-space:nowrap;width:20.69pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.84pt;">8%</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:72.44pt;">
                      <div style="line-height:12pt;margin-left:6pt;text-align:right;width:66.44pt;">
                        <div style="display:flex;margin:auto;width:13.85pt;">
                          <div style="display:flex;white-space:nowrap;width:13.85pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:86.53pt;">
                      <div style="line-height:12pt;margin-left:-2pt;margin-right:4pt;text-align:right;width:80.53pt;">
                        <div style="display:flex;margin:auto;width:6.56pt;">
                          <div style="display:flex;white-space:nowrap;width:6.56pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:78.44pt;">
                      <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:66.44pt;">
                        <div style="display:flex;margin:auto;width:20.69pt;">
                          <div style="display:flex;white-space:nowrap;width:20.69pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.84pt;">7%</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:72.44pt;">
                      <div style="line-height:12pt;margin-left:6pt;text-align:right;width:66.44pt;">
                        <div style="display:flex;margin:auto;width:13.85pt;">
                          <div style="display:flex;white-space:nowrap;width:13.85pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:86.53pt;">
                      <div style="line-height:12pt;margin-left:-2pt;margin-right:4pt;text-align:right;width:80.53pt;">
                        <div style="display:flex;margin:auto;width:6.56pt;">
                          <div style="display:flex;white-space:nowrap;width:6.56pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:78.44pt;">
                      <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:66.44pt;">
                        <div style="display:flex;margin:auto;width:20.69pt;">
                          <div style="display:flex;white-space:nowrap;width:20.69pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.84pt;">6%</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:72.44pt;">
                      <div style="line-height:12pt;margin-left:6pt;text-align:right;width:66.44pt;">
                        <div style="display:flex;margin:auto;width:13.85pt;">
                          <div style="display:flex;white-space:nowrap;width:13.85pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:86.53pt;">
                      <div style="line-height:12pt;margin-left:-2pt;margin-right:4pt;text-align:right;width:80.53pt;">
                        <div style="display:flex;margin:auto;width:6.56pt;">
                          <div style="display:flex;white-space:nowrap;width:6.56pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:78.44pt;">
                      <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:66.44pt;">
                        <div style="display:flex;margin:auto;width:20.69pt;">
                          <div style="display:flex;white-space:nowrap;width:20.69pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.84pt;">5%</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:72.44pt;">
                      <div style="line-height:12pt;margin-left:6pt;text-align:right;width:66.44pt;">
                        <div style="display:flex;margin:auto;width:13.85pt;">
                          <div style="display:flex;white-space:nowrap;width:13.85pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:86.53pt;">
                      <div style="line-height:12pt;margin-left:-2pt;margin-right:4pt;text-align:right;width:80.53pt;">
                        <div style="display:flex;margin:auto;width:6.56pt;">
                          <div style="display:flex;white-space:nowrap;width:6.56pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:78.44pt;">
                      <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:66.44pt;">
                        <div style="display:flex;margin:auto;width:20.69pt;">
                          <div style="display:flex;white-space:nowrap;width:20.69pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.84pt;">4%</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:72.44pt;">
                      <div style="line-height:12pt;margin-left:6pt;text-align:right;width:66.44pt;">
                        <div style="display:flex;margin:auto;width:13.85pt;">
                          <div style="display:flex;white-space:nowrap;width:13.85pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="padding-bottom:1pt;padding-top:2pt;vertical-align:Top;width:86.53pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:-2pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6 years or more</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:78.44pt;">
                      <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:66.44pt;">
                        <div style="display:flex;margin:auto;width:20.69pt;">
                          <div style="display:flex;white-space:nowrap;width:20.69pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:6.84pt;">0%</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1pt;padding-top:2pt;vertical-align:Top;white-space:nowrap;width:72.44pt;">
                      <div style="line-height:12pt;margin-left:6pt;text-align:right;width:66.44pt;">
                        <div style="display:flex;margin:auto;width:13.85pt;">
                          <div style="display:flex;white-space:nowrap;width:13.85pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;22&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_6"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:0.0pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;margin-left:0%;">&#8195;</font></div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z8947dbd8df7745b398da8e2ede947c41" style="empty-cells:show;width:494pt;">

                  <tr style="height:58.5pt;">
                    <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;width:217.18pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:108.18pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:1pt;margin-right:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Protection Strategy</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">with Trigger</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">and</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Protection Strategy</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">with Cap</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:129.88pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:4pt;margin-right:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Dual&#160;Precision Strategy,</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Precision Strategy,</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">and</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Performance Strategy</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:38.75pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Guard</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Strategy</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.5pt;">
                    <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;width:217.18pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Daily Adjustment Maximum Potential Loss</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;white-space:nowrap;width:108.18pt;">
                      <div style="line-height:12pt;margin-left:3pt;margin-right:6pt;text-align:right;width:99.18pt;">
                        <div style="display:flex;margin:auto;width:13.85pt;">
                          <div style="display:flex;white-space:nowrap;width:13.85pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0%</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;white-space:nowrap;width:129.88pt;">
                      <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:117.88pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">99%</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;white-space:nowrap;width:38.75pt;">
                      <div style="line-height:12pt;margin-left:6pt;text-align:right;width:32.75pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">35%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:35pt;">
                    <td style="padding-top:2pt;vertical-align:Top;width:217.18pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">(as a percentage of Index Option Value, applies for </font></div>
                        <div style="margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18pt;">distributions from an Index Option before any Term </font></div>
                        <div style="margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18pt;">End Date)</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(3)</font>
                          <div style="clear:right;"> </div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-top:2pt;vertical-align:Top;white-space:nowrap;width:108.18pt;">
                      <div style="line-height:0.5pt;margin-left:3pt;margin-right:6pt;text-align:right;width:99.18pt;">
                        <div style="display:flex;margin:auto;width:13.85pt;">
                          <div style="display:flex;white-space:nowrap;width:13.85pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-top:2pt;vertical-align:Top;white-space:nowrap;width:129.88pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:117.88pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-top:2pt;vertical-align:Top;white-space:nowrap;width:38.75pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;text-align:right;width:32.75pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div>
              <div style="clear:both;margin-top:9.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:10pt;text-align:left;width:9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(1)</font></div>
                <div style="float:left;line-height:10pt;margin-left:8.68pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">The Contract provides a free withdrawal privilege &#160;before the Income Period
                    that allows you to withdraw 10% of your total Purchase Payments annually without incurring a withdrawal charge, as discussed in section 7, Access to Your
                    Money &#8211; Free Withdrawal Privilege.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:1.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:10pt;text-align:left;width:9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(2)</font></div>
                <div style="float:left;line-height:10pt;margin-left:8.68pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">The Withdrawal Charge Basis is the total amount under your Contract that is
                    subject to a withdrawal charge, as discussed in section 6, Expenses &#8211; Withdrawal Charge.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:1.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:10pt;text-align:left;width:9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(3)</font></div>
                <div style="float:left;line-height:10pt;margin-left:8.68pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">This shows the maximum potential loss due to the application of the Daily
                    Adjustment (e.g., maximum loss could occur if there is a total distribution within a Term at a time when the Index price has declined to zero). The Daily
                    Adjustment could result in a loss beyond the protection of the 10%, 20%, or 30% Buffer; or -10% Floor. The Daily Adjustment applies if, before the Term End
                    Date, you take a full or partial withdrawal&#160;(including any financial adviser fees that you choose to have us pay from this Contract),&#160;you take Income
                    Payments, you execute a Performance Lock, you annuitize the Contract, we pay a death benefit, or we deduct Contract fees or expenses. The actual Daily
                    Adjustment calculation is determined by a formula described in Appendix B.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">The next table describes the fees and expenses that you will pay each year during the time that you own the Contract (not including Fund fees and expenses). If you purchased the optional Maximum Anniversary Value Death Benefit, you pay additional charges, as shown below.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Annual Contract Expenses</font><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;">&#8195;</font></div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z67d206775be141edb4f34969e95b21c8" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:26.5pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:453.25pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Administrative Expenses (or contract
                            maintenance charge)</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</font>
                          <div style="clear:right;"> </div>
                        </div>
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">(per year)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:40.75pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.00pt;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">50</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:25pt;">
                    <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:453.25pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Base Contract Expenses</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">(2)</font>
                          <div style="clear:right;"> </div>
                        </div>
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">(as a percentage of the Charge Base)</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:40.75pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.95%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:24.5pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2pt;padding-top:3pt;vertical-align:Top;width:453.25pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional Benefit Expenses &#8211; Maximum
                            Anniversary Value Death Benefit</font></div>
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10.0pt;">(as a percentage of the Charge Base)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;padding-bottom:2pt;padding-top:3pt;vertical-align:Top;width:40.75pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Right;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.20%</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div>
              <div style="clear:both;margin-top:9.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:10pt;text-align:left;width:9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(1)</font></div>
                <div style="float:left;line-height:10pt;margin-left:8.68pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Referred to as the &#8220;contract maintenance charge&#8221; in the Contract and
                    elsewhere in this prospectus. Waived if the Contract Value is at least $100,000. During the Annuity Phase, we deduct the contract maintenance charge
                    proportionately from each Annuity Payment. See the section 6, Expenses &#8211; Contract Maintenance Charge (Administrative Expenses).</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:1.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:10pt;text-align:left;width:9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(2)</font></div>
                <div style="float:left;line-height:10pt;margin-left:8.68pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Comprised of two charges referred to as the &#8220;product fee&#8221; and the &#8220;rider fee
                    for the Income Benefit&#8221; in the Contract and elsewhere in this prospectus. The product fee is 1.25%. The rider fee for the Income Benefit is 0.70%. See
                    section 6, Expenses &#8211; Base Contract Expenses (Product and Rider Fees).</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">The next table shows the total operating expenses charged by the Fund that you may pay periodically during the time that you own the Contract. More information about the Fund, including its annual expenses, may be found in Appendix G &#8211; Fund Available Under the Contract.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Annual Fund Expenses</font><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;">&#8195;</font></div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z7cafb821b8d744b69b9a09e7555ea245" style="empty-cells:show;width:494pt;">

                  <tr style="height:auto;">
                    <td style="vertical-align:Top;width:467.75pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(expenses that are deducted from Fund assets, including management fees,</font></div>
                        <div style="margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">distribution and/or service (12b-1) fees, and other expenses)</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;white-space:nowrap;width:26.25pt;">
                      <div style="line-height:12pt;margin-left:3pt;text-align:right;width:23.25pt;">
                        <div style="display:flex;margin:auto;width:25.25pt;">
                          <div style="display:flex;white-space:nowrap;width:25.25pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.88%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:12pt;text-align:left;">
              <div style="margin-top:12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Example</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">This Example is intended to help you compare the cost of investing in the Contract with the cost of investing in other variable annuity contracts. The Example is based on an investment solely in the Variable Option even though you cannot allocate Purchase Payments directly to the Variable Option. The costs include transaction expenses, annual Contract expenses, and annual Fund expenses. These costs do not include any financial adviser fees that you pay from your other assets, or that you choose to have us pay from this Contract.&#160;If financial adviser fees were reflected, costs would be higher.</font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;23&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_7"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">The Example assumes that you invest $100,000 in the Contract for the time periods indicated. The Example
                also assumes that your investment has a 5% return each year&#160;and that you elected the Maximum Anniversary Value Death Benefit. Although your actual costs may be higher or lower, based on these assumptions, your costs would be:</font></div>
            <div>
              <div style="clear:both;margin-top:6.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:11.66pt;"><font style="color: #000000; font-family: Times New Roman;">(1)</font></div>
                <div style="float:left;line-height:12pt;margin-left:2.34pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">If you surrender your Contract (take a full withdrawal) at the end of the
                    applicable time period:</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:0.0pt;margin-top:12.0pt;text-align:left;">
              <div style="margin-top:12pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z90b2cfcc4d814a82b6738144ec74b188" style="empty-cells:show;margin-left:24pt;width:446pt;">

                  <tr style="height:9.5pt;">
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:257.98pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:44.04pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">1 Year</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:47.64pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">3 Years</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:47.64pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">5 Years</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:48.71pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:7pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">10 Years</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:257.98pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contracts issued on or before April 30, 2024</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:44.04pt;">
                      <div style="line-height:12pt;margin-left:6pt;margin-right:9pt;text-align:right;width:29.04pt;">
                        <div style="display:flex;margin:auto;width:31.04pt;">
                          <div style="display:flex;white-space:nowrap;width:31.04pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.04pt;">11,553</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:47.64pt;">
                      <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.64pt;">
                        <div style="display:flex;margin:auto;width:31.64pt;">
                          <div style="display:flex;white-space:nowrap;width:31.64pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">16,337</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:47.64pt;">
                      <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.64pt;">
                        <div style="display:flex;margin:auto;width:31.64pt;">
                          <div style="display:flex;white-space:nowrap;width:31.64pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">20,865</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:48.71pt;">
                      <div style="line-height:12pt;margin-left:9pt;margin-right:3pt;text-align:right;width:33.71pt;">
                        <div style="display:flex;margin:auto;width:31.64pt;">
                          <div style="display:flex;white-space:nowrap;width:31.64pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">33,313</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11.5pt;">
                    <td style="padding-top:2.5pt;vertical-align:Top;width:257.98pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contracts issued on or after May 1, 2024</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:44.04pt;">
                      <div style="line-height:12pt;margin-left:6pt;margin-right:9pt;text-align:right;width:29.04pt;">
                        <div style="display:flex;margin:auto;width:31.04pt;">
                          <div style="display:flex;white-space:nowrap;width:31.04pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.04pt;">11,053</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:47.64pt;">
                      <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.64pt;">
                        <div style="display:flex;margin:auto;width:31.64pt;">
                          <div style="display:flex;white-space:nowrap;width:31.64pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">16,337</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:47.64pt;">
                      <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.64pt;">
                        <div style="display:flex;margin:auto;width:31.64pt;">
                          <div style="display:flex;white-space:nowrap;width:31.64pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">20,865</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:48.71pt;">
                      <div style="line-height:12pt;margin-left:9pt;margin-right:3pt;text-align:right;width:33.71pt;">
                        <div style="display:flex;margin:auto;width:31.64pt;">
                          <div style="display:flex;white-space:nowrap;width:31.64pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">33,313</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div>
              <div style="clear:both;margin-top:12.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:11.66pt;"><font style="color: #000000; font-family: Times New Roman;">(2)</font></div>
                <div style="float:left;line-height:12pt;margin-left:2.34pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">If you fully annuitize your Contract at the end of the applicable time
                    period.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:0.0pt;margin-top:12.0pt;text-align:left;">
              <div style="margin-top:12pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z02e4affe5c9d48038b6e319339ff57f1" style="empty-cells:show;margin-left:24pt;width:446pt;">

                  <tr style="height:9.5pt;">
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:262.9pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:39.59pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">1 Year</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:47.15pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">3 Years</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:47.64pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">5 Years</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:48.71pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:7pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">10 Years</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:262.9pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contracts issued on or before April 30, 2024</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:39.59pt;">
                      <div style="line-height:12pt;margin-left:6pt;margin-right:9pt;text-align:right;width:24.59pt;">
                        <div style="display:flex;margin:auto;width:18.82pt;">
                          <div style="display:flex;white-space:nowrap;width:18.82pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:18.82pt;">N/A*</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:47.15pt;">
                      <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.15pt;">
                        <div style="display:flex;margin:auto;width:27.08pt;">
                          <div style="display:flex;white-space:nowrap;width:27.08pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:27.08pt;">9,337</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:47.64pt;">
                      <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.64pt;">
                        <div style="display:flex;margin:auto;width:31.64pt;">
                          <div style="display:flex;white-space:nowrap;width:31.64pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">15,865</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:48.71pt;">
                      <div style="line-height:12pt;margin-left:9pt;margin-right:3pt;text-align:right;width:33.71pt;">
                        <div style="display:flex;margin:auto;width:31.64pt;">
                          <div style="display:flex;white-space:nowrap;width:31.64pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">33,313</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11.5pt;">
                    <td style="padding-top:2.5pt;vertical-align:Top;width:262.9pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contracts issued on or after May 1, 2024</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:39.59pt;">
                      <div style="line-height:12pt;margin-left:6pt;margin-right:9pt;text-align:right;width:24.59pt;">
                        <div style="display:flex;margin:auto;width:18.82pt;">
                          <div style="display:flex;white-space:nowrap;width:18.82pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:18.82pt;">N/A*</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:47.15pt;">
                      <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.15pt;">
                        <div style="display:flex;margin:auto;width:27.08pt;">
                          <div style="display:flex;white-space:nowrap;width:27.08pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:27.08pt;">9,337</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:47.64pt;">
                      <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.64pt;">
                        <div style="display:flex;margin:auto;width:31.64pt;">
                          <div style="display:flex;white-space:nowrap;width:31.64pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">15,865</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:48.71pt;">
                      <div style="line-height:12pt;margin-left:9pt;margin-right:3pt;text-align:right;width:33.71pt;">
                        <div style="display:flex;margin:auto;width:31.64pt;">
                          <div style="display:flex;white-space:nowrap;width:31.64pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">33,313</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div>
              <div style="clear:both;margin-top:9.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:10pt;text-align:left;width:4pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">*</font></div>
                <div style="float:left;line-height:10pt;margin-left:14pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">The earliest available Annuity Date is the second Index Anniversary.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:6.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:11.66pt;"><font style="color: #000000; font-family: Times New Roman;">(3)</font></div>
                <div style="float:left;line-height:12pt;margin-left:2.34pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">If you do not surrender your Contract.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:0.0pt;margin-top:12.0pt;text-align:left;">
              <div style="margin-top:12pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z6c36ad6a53f94818b470c1325c8c4dd6" style="empty-cells:show;margin-left:24pt;width:446pt;">

                  <tr style="height:9.5pt;">
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:262.42pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:40.08pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">1 Year</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:47.15pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">3 Years</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:47.64pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:7pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">5 Years</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Bottom;width:48.71pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:7pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">10 Years</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:262.42pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contracts issued on or before April 30, 2024</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:40.08pt;">
                      <div style="line-height:12pt;margin-left:6pt;margin-right:9pt;text-align:right;width:25.08pt;">
                        <div style="display:flex;margin:auto;width:27.08pt;">
                          <div style="display:flex;white-space:nowrap;width:27.08pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:27.08pt;">3,053</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:47.15pt;">
                      <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.15pt;">
                        <div style="display:flex;margin:auto;width:27.08pt;">
                          <div style="display:flex;white-space:nowrap;width:27.08pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:27.08pt;">9,337</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:47.64pt;">
                      <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.64pt;">
                        <div style="display:flex;margin:auto;width:31.64pt;">
                          <div style="display:flex;white-space:nowrap;width:31.64pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">15,865</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:48.71pt;">
                      <div style="line-height:12pt;margin-left:9pt;margin-right:3pt;text-align:right;width:33.71pt;">
                        <div style="display:flex;margin:auto;width:31.64pt;">
                          <div style="display:flex;white-space:nowrap;width:31.64pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">33,313</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11.5pt;">
                    <td style="padding-top:2.5pt;vertical-align:Top;width:262.42pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contracts issued on or after May 1, 2024</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:40.08pt;">
                      <div style="line-height:12pt;margin-left:6pt;margin-right:9pt;text-align:right;width:25.08pt;">
                        <div style="display:flex;margin:auto;width:27.08pt;">
                          <div style="display:flex;white-space:nowrap;width:27.08pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:27.08pt;">3,053</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:47.15pt;">
                      <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.15pt;">
                        <div style="display:flex;margin:auto;width:27.08pt;">
                          <div style="display:flex;white-space:nowrap;width:27.08pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:27.08pt;">9,337</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:47.64pt;">
                      <div style="line-height:12pt;margin-left:9pt;margin-right:9pt;text-align:right;width:29.64pt;">
                        <div style="display:flex;margin:auto;width:31.64pt;">
                          <div style="display:flex;white-space:nowrap;width:31.64pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">15,865</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;white-space:nowrap;width:48.71pt;">
                      <div style="line-height:12pt;margin-left:9pt;margin-right:3pt;text-align:right;width:33.71pt;">
                        <div style="display:flex;margin:auto;width:31.64pt;">
                          <div style="display:flex;white-space:nowrap;width:31.64pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:31.64pt;">33,313</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:13.0pt;margin-top:16pt;text-align:left;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 16.0pt; position: relative; top: -2pt; width: 494pt;"><font style="color: #000000; font-size: 11pt; text-transform: uppercase;">Risk Factors</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Contract involves certain risks that you should understand before investing. You should carefully consider your income needs and risk tolerance to determine whether the Contract is appropriate for you. The level of risk you bear and your potential investment performance will differ depending on the Index Options you choose.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Liquidity Risks</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We designed the Contract to be a long-term investment that you can use to help build and provide income for retirement. The Contract is not suitable for short-term investment.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If you need to take a full or partial withdrawal during the withdrawal charge period, or when we deduct any financial adviser fees that you choose to have us pay from this Contract, we deduct a withdrawal charge unless the withdrawal is a Penalty-Free Withdrawal. While Penalty-Free Withdrawals provide some liquidity, they are permitted in only limited amounts or in special circumstances. If you need to withdraw most or all of your Contract Value in a short period, you will exceed the
                  Penalty-Free Withdrawal amounts available to you and incur withdrawal charges. (For more information on the withdrawal charge, see the Fee Tables and section
                  6, Expenses &#8211; Withdrawal Charge.)</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We calculate the withdrawal charge as a percentage of your Purchase Payments, not Contract Value. Consequently, if the Contract Value has declined since you made a Purchase Payment, it is possible the percentage of Contract Value withdrawn to cover the withdrawal charge would be greater than the withdrawal charge percentage. For example, assume you buy the
                  Contract with a single Purchase Payment of $10,000. If your Contract Value in the 5th year is $8,000 and you take a full withdrawal a 5% withdrawal charge
                  applies. The total withdrawal charge would be $500 (5% of $10,000). As your Contract Value is less than $100,000, we will also deduct the $50 contract
                  maintenance charge. This results in you receiving $7,450.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">In addition, upon a full withdrawal, the free withdrawal privilege is not available to you, and we apply a withdrawal charge against Purchase Payments that are still within their withdrawal charge period, including&#160;amounts previously withdrawn under the free withdrawal privilege. </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">On a full withdrawal, your Withdrawal Charge Basis may be greater than your Contract Value because the following reduce your Contract Value, but do not reduce your Withdrawal Charge Basis: deductions we make for prior Penalty-Free Withdrawals and Contract fees or expenses; and/or poor performance.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Amounts withdrawn from this Contract are subject to income taxes, and may also be subject to a 10% additional federal tax for amounts withdrawn before age 59</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</font><font style="color: #000000; font-family: Times New Roman;">.</font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;24&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_8"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">We only apply Performance Credits to the Index Options once each Term on the Term End Date, rather than on a daily basis. In the interim, we calculate Index Option Values based on the Daily Adjustment. The Variable Option is not subject to the Daily Adjustment. Any assets removed from an Index Option during the Term for withdrawals you take (including Income Payments
                and other Penalty-Free Withdrawals, and any financial adviser fees that you choose to have us pay from this Contract), Annuity Payments, or deductions we make
                for Contract fees and expenses, or if we pay a death benefit, will not be eligible to receive a Performance Credit on the Term End Date. These removed assets
                will not receive the full benefit of the Index Value, Index Return, and the 10%, 20%, or 30% Buffer; or -10% Floor that would have been available on the Term End Date, and losses could exceed the protection offered by the 10%, 20%, or 30% Buffer; or -10% Floor. You will receive a Performance Credit only on any unlocked Index Option Value remaining in an Index Option on the Term End Date.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">You can typically transfer Index Option Value among the Index Options only on Term End Dates. At other times, you can only move assets out of an Index Option by taking a full or partial withdrawal, or entering the Annuity Phase. However, you can transfer assets out of an Index Option before the Term End Date by executing a Performance Lock. Once an Index Option is
                  locked, you can transfer assets out of it on the Index Anniversary that occurs on or immediately after the Lock Date. For a 3-year or 6-year Term Index Option
                  this means you can transfer out of the locked Index Option before the Term End Date by executing a Performance Lock on or before the second Index Anniversary
                  of a 3-year Term, or on or before the fifth Index Anniversary of a 6-year Term.&#160;You can also transfer assets out of any locked Index Option, including 1-year Term Index Options, before the Term End Date by requesting an Early Reallocation. You can only execute two Early Reallocations each Index Year, but each request can involve multiple locked Index Options. These restrictions may limit your
                  ability to react to changes in market conditions. You should consider whether investing in an Index Option is consistent with your financial needs.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Income Benefit Risks</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Income Benefit is automatically included in the Contract for an additional rider fee, but you can remove it after three years if Income Payments have not begun.&#160;</font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">If you remove the
                  Income Benefit you will have paid for the benefit without receiving any of its advantages.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We generally base Income Payments on the Lifetime Income Percentage you select and your Contract Value, </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">not a guaranteed
                  value.</font><font style="color: #000000; font-family: Times New Roman;"> Decreases in Contract Value due to negative Index performance during the Accumulation Phase up to and including the Income Benefit Date, deductions for Contract fees and expenses, and withdrawals, also decrease the Income Payment
                  amount available to you.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If you choose the Level Income payment option and meet the age requirements stated in section 10, Calculating Your Income Payments, your initial annual maximum Income Payment will not be less than the Level Income Guarantee Payment Percentage multiplied by your total Purchase Payments reduced proportionately for withdrawals you took (including any
                  withdrawal charge). However, the Level Income Guarantee Payment Percentage is not available to you under the Level Income payment option if you do not meet
                  the age requirements stated in section 10, or if you choose Increasing Income payment option.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Income Payments made while your Contract Value is positive are a withdrawal of your own assets and reduce your Contract Value. If your Contract Value remains above zero when the Income Payments end, you may not realize a benefit from the Income Benefit; the chances of your Contract Value being reduced to zero may be minimal.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We also base Income Payments on the Eligible Person(s) that we establish at issue. If you change Owners or Beneficiary(s), we may remove an Eligible Person or Covered Person as stated in section 2, </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">which may cause Income Payments to be unavailable or end
                  prematurely.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We use the age of the Eligible Person(s) to determine the Income Percentage(s) and Income Percentage Increases. Income Percentage Increases are not available until age 45. This means if an Eligible Person is younger than age 44 on the Issue Date, </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">you will not receive an increase to a Lifetime
                  Income Percentage based on that Eligible Person until the Index Anniversary that the Eligible Person (or younger Eligible
                  Person for joint payments) reaches age 45, and you will pay a rider fee during the period you are not eligible for an
                  Income Percentage Increase.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The eligibility period to begin Income Payments is subject to a waiting period and both a minimum and maximum age requirement for the Eligible Person(s). For single Income Payments we only allow an Eligible Person who is an Owner to become a Covered Person, and joint Income Payments may not be available if the age difference between spouses is too great, as
                  stated in section 2, Eligible Person(s) and Covered Person(s). </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">If you do not begin Income Payments during the eligibility period, the Income Benefit ends and you will have paid for the benefit without receiving any of its advantages.</font></div>
            </div>
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            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;25&#8201;</font></div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">In addition, if you have Contract Value in an Index Option for which the Income Benefit Date is not a Term End Date, we will execute a Performance Lock for that Index Option if it is not locked and then immediately calculate and begin your Income Payments. If you have Index Options with different Term End Dates, there may be no date when the Daily Adjustment does not
                apply. For the Index Protection Strategy with Trigger or Index Protection Strategy with Cap Index Options we will execute this Performance Lock even if the
                Daily Adjustment is zero.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The initial annual maximum Income Payment available to you must be at least $100. If your Contract Value on the Income Benefit Date is reduced and this $100 minimum cannot be met, </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">the Income Benefit ends and you will have paid for the benefit
                  without receiving any of its advantages. Income Payments and the Income Benefit may also end prematurely if you take Excess
                  Withdrawals, or you annuitize the Contract. A full Excess Withdrawal and certain partial Excess Withdrawals will cause
                  Income Payments to stop and the Contract </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold; text-decoration: underline;">and all of its benefits</font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;"> to end.</font><font style="color: #000000; font-family: Times New Roman;"> However, we can convert your Income Payment to Annuity Payments as described in section 8, The Annuity Phase &#8211; When Annuity Payments Begin.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Income Multiplier Benefit can provide increased income if you are confined for care, or are unable to perform at least two activities of daily living. However, this benefit has a waiting period and you must meet certain requirements to receive it.&#160;If you are unable to meet these requirements the Income Multiplier Benefit may not be available to you when you need it. If you qualify for the Income Multiplier Benefit, it also may not provide enough income to pay for the care you require. For joint Covered Persons, if you both qualify for this benefit at the same time you will get the same payment increase as a single Covered person; we do not apply the increase separately for each Covered Person.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">For more information see &#8220;How the Income Benefit Works&#8221; and &#8220;During the Income Period&#8221; in section 10, Income Benefit.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Risk of Change to the Income Benefit Supplement Prior to the Issue Date</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Income Payment waiting period and the table showing the Income Percentages and Income Percentage Increases for your Contract and are stated in the Income Benefit Supplement that is in effect on the date you sign your application. The supplement also includes the income multiplier factor and income multiplier benefit wait period for the Income Multiplier Benefit. Your Financial Professional will give you a copy of the prospectus with the current Income Benefit supplement when you apply for a Contract. If we do not receive your initial Purchase Payment within 60 calendar days of the date you sign the
                  application, and the Income Benefit Supplement terms have changed since this date, you will receive the Income Benefit Supplement terms that are in effect on
                  the Issue Date instead of the terms that were in effect when you applied for the Contract. You bear the risk that if there is more than a 60-day delay between
                  the time you apply for the Contract and the Issue Date the Income Benefit Supplement terms may change and be less advantageous to you. When we issue the Contract, we send you the current prospectus with the current Income Benefit Supplement. We cannot change these terms for your Contract once they are established. We publish any changes to these terms in an amended Income Benefit Supplement at least
                  seven calendar days before they take effect on our website at www.allianzlife.com/RILAincomerates. The amended Income Benefit Supplement is also filed on EDGAR at www.sec.gov under Form S-1 File Number 333-268820, and
                  Form N-4 File Number 333-268826. You can contact us to receive the Income Benefit Supplement applicable to your Contract by calling our Service Center at the
                  toll-free telephone number listed at the back of this prospectus.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">You can find historical Income Benefit&#160;and Income Multiplier Benefit Supplement values in Appendix E for benefits issued before May 1, 2024.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Risks of Investing in Securities</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Returns on securities and securities Indexes can vary substantially, which may result in investment losses. The historical performance of the available Index Options and the Variable Option does not guarantee future results. It is impossible to predict whether underlying investment values will fall or rise. Trading prices of the securities underlying the Index Options and the Variable Option are influenced by economic, financial, regulatory, geographic, judicial, political and other complex and interrelated factors. These factors can affect capital markets generally and markets on which the underlying securities
                  are traded and these factors can influence the performance of the underlying securities. Depending on your individual circumstances (e.g., your selected Index
                  Options and the timing of any Purchase Payments, transfers, or withdrawals), you may experience (perhaps significant) negative returns under the Contract. You
                  should consult with a Financial Professional.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Index Option returns depend on the performance of an Index although you are not directly invested in the Index. Because the S&amp;P 500</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> Index, Russell 2000</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> Index, Nasdaq-100</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> Index, EURO STOXX 50</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> and iShares</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> MSCI Emerging </font></div>
            </div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;26&#8201;</font></div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">Markets ETF are each comprised of a collection of equity securities, in each case the value of the component securities is
              subject to market risk, or the risk that market fluctuations may cause the value of the component securities to go up or down, sometimes rapidly and unpredictably. In addition, the value of equity securities may decline for reasons directly related to the issuers of the securities.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">S&amp;P 500</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;"> Index</font><font style="color: #000000; font-family: Times New Roman;">. The S&amp;P 500</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> Index
                  is comprised of equity securities issued by large-capitalization U.S. companies. In general, large-capitalization companies may be unable to respond quickly
                  to new competitive challenges, and also may not be able to attain the high growth rate of successful smaller companies.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Russell 2000</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;"> Index</font><font style="color: #000000; font-family: Times New Roman;">. The Russell 2000</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> Index
                  is comprised of equity securities of small-capitalization U.S. companies. In general, the securities of small-capitalization companies may be more volatile
                  and may involve more risk than the securities of larger companies.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Nasdaq-100</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;"> Index</font><font style="color: #000000; font-family: Times New Roman;">. The Nasdaq-100</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> Index is
                  comprised of equity securities of the largest U.S. and non-U.S. companies listed on The Nasdaq Stock Market, including companies across all major industry
                  groups except the financial industry. To the extent that the Nasdaq-100</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> Index is comprised of securities issued by companies in a particular sector, that company&#8217;s securities may not perform as well as companies in other sectors or the market as a whole. Also, any component securities issued by non-U.S. companies (including related depositary receipts) are subject to the risks related to investments in foreign markets (e.g., increased price volatility; changing currency exchange rates; and greater political, regulatory, and economic
                  uncertainty).</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">EURO STOXX 50</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;">. EURO STOXX 50</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> is comprised of the equity securities of large-capitalization companies in the Eurozone. The securities comprising EURO STOXX 50</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> are subject to the risks related to investments in foreign markets (e.g., increased price
                  volatility; changing currency exchange rates; and greater political, regulatory, and economic uncertainty), and are significantly affected by the European
                  markets and actions of the European Union.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">iShares</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;"> MSCI Emerging Markets ETF</font><font style="color: #000000; font-family: Times New Roman;">. The iShares</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> MSCI Emerging Markets ETF seeks to track the investment results of the MSCI Emerging
                  Markets Index, which is designed to measure equity market performance in the global emerging markets. The underlying index may include large-and
                  mid-capitalization companies. iShares</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> MSCI
                  Emerging Markets ETF is an exchange-traded fund. The performance of the iShares</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> MSCI Emerging Markets ETF may not replicate the performance of, and may underperform the underlying index. The price of the iShares</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> MSCI Emerging Markets ETF will reflect expenses and fees that will reduce its relative
                  performance. Moreover, it is also possible that the iShares</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> MSCI Emerging Markets ETF may not fully replicate or may, in certain circumstances, diverge
                  significantly from the performance of the underlying index. Additional information about iShares</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> MSCI Emerging Markets ETF is available on the SEC&#8217;s website at www.sec.gov and copies of that
                  information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: www.publicinfo@sec.gov. Please note that
                  this information is not prepared by us and may be intended for shareholders of the ETF. You will not be a shareholder of the ETF by investing in an Index Option that is linked to the performance of the ETF. You may also request additional information about the ETF from our Service Center or your Financial Professional.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Risk of Negative Returns</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Variable Option&#160;does not provide any protection against loss of principal. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">You can lose principal and previous earnings for Purchase
                  Payments held in the Variable Option and such losses could be significant.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If you allocate Purchase Payments or transfer Contract Value to an Index Option with the Index Dual&#160;Precision Strategy,&#160;Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy, negative Index Returns may cause Performance Credits to be either negative after application of the 10%, 20%, or 30% Buffer, or negative down to the -10% Floor.
                  For the Index Performance Strategy, we apply the Buffer for the entire Term length; we do not apply the Buffer annually on a 3-year or&#160;6-year Term Index
                  Option. Ongoing deductions we make for Contract fees and expenses could also cause amounts available for withdrawal to be less than what you invested even if
                  Index performance has been positive. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">You
                  can lose principal and previous earnings if you allocate Purchase Payments or transfer Contract Value to the Index Options
                  with the Index Dual&#160;Precision Strategy,&#160;Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy, and
                  such losses could be significant. If you allocate Purchase Payments or transfer Contract Value to the Index Options with
                  the Index Protection Strategy with Trigger or Index Protection Strategy with Cap you can also lose principal and previous
                  earnings if you do not receive the Performance&#160;Credit, or if the Contract fees and expenses are greater than the
                  Performance&#160;Credit. </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">The maximum potential negative Performance Credit for the&#160;Index Dual Precision Strategy, Index Precision Strategy, and Index Performance Strategy is based on the Buffer. If the Buffer is 10%, the maximum negative Performance Credit is -90%; if the Buffer is 20%,
                  the maximum negative Performance Credit is -80%; and if the Buffer is 30%, the maximum negative Performance </font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;27&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_11"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Credit is -70%. The maximum potential negative Performance Credit for the Index Guard Strategy is the -10%
              Floor. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Such losses will be
                greater if you take a withdrawal (including any financial adviser fees that you choose to have us pay from this Contract)
                that is subject to a withdrawal charge,&#160;a negative Daily Adjustment, or a deduction of Contract fees and expenses.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Daily Adjustment is how we calculate Index Option Values on Business Days other than the Term Start Date or Term End Date. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">The Variable Option is not subject to the Daily
                  Adjustment.</font><font style="color: #000000; font-family: Times New Roman;"> The Daily Adjustment can affect the amounts available for
                  withdrawal, Performance Locks, annuitization, payment of the death benefit, and the Contract Value used to determine the contract maintenance charge&#160;and
                  Charge Base for the product and rider fees. The Daily Adjustment can be less than the Trigger Rate or Cap even if the current Index return during the Term is
                  greater than the Trigger Rate or Cap. In addition, even though the current Index return during the Term may be positive, the Daily Adjustment may be negative
                due to changes in Proxy Value inputs, such as volatility, dividend yield, and interest rate. However, the Daily Adjustment for the Index Protection Strategy with Trigger&#160;and&#160;Index Protection Strategy with Cap cannot be negative. The Daily Adjustment is generally negatively affected by:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">interest rate decreases,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">dividend rate increases,</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">poor market performance, and</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the expected volatility of Index prices. Generally, increases in the expected
                    volatility of Index prices negatively affect the Index Dual Precision Strategy, Index Precision Strategy, and Index Performance Strategy 1-year Term Index Options, while decreases in the expected volatility of Index prices negatively affect the Index Guard Strategy. For the Index Performance Strategy 3-year and 6-year Term Index Options, and Index Protection Strategy with Cap, the impact of changes in the expected volatility of Index prices is dependent on the market environment and the applicable Caps and
                    Participation Rates. For the Index Protection Strategy with Trigger, the impact of changes in the expected volatility of Index prices is dependent on the
                    market environment.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Daily Adjustment for Index Options with a Term length of more than 1 year (3-year and 6-year Term Index Options and Early Reallocation to a 1-year Term Index Option) may be more negatively impacted by changes in the expected volatility of Index prices than 1-year Term Index Options due to the difference in Term length. Also, the risk of a negative Daily
                  Adjustment is greater for Index Options with a Term length of more than 1 year than for 1-year Term Index Options due to the Term length. 3-year and 6-year
                  Term Index Options with a Participation Rate above 100% may also have larger fluctuations in the Daily Adjustment than Index Options either without a
                  Participation Rate, or with a&#160;Participation Rate equal to 100%. For shorter Term lengths, there is more certainty in both the final Index Values and how
                  Trigger Rates, Caps, Buffers, and Floors determine Performance Credits. This means there may be less fluctuation in the Daily Adjustment due to changes in Index return for Index Options with shorter Term lengths.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If you take a withdrawal from an Index Option with the Index Dual Precision Strategy,&#160;Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy before the Term End Date, </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">you
                  could lose principal and previous earnings because of the Daily Adjustment </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">even if Index performance is positive on that day or has been positive since the Term Start Date</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">. If the current Index return during the Term is negative, the
                  Daily Adjustment for these Index Options could result in losses greater than the protection provided by the 10%, 20%, or 30% Buffer; or -10%
                Floor.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">In extreme circumstances, the Daily Adjustment could result in a loss beyond the protection of the Buffer or Floor. The maximum potential loss from a negative Daily Adjustment is: -99% for the Index Dual&#160;Precision Strategy, Index Precision Strategy, and Index Performance Strategy; and -35% for the Index Guard Strategy. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Such losses will be
                  greater if you take a withdrawal (including any financial adviser fees that you choose to have us pay from this Contract)
                  that is subject to a withdrawal charge, or a deduction of Contract fees and expenses.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Risks Associated with Calculation of Performance Credits</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We calculate Performance Credits each Term on the Term End Date. Because we calculate Index Returns only on a single date in time, you may experience negative or flat performance even though the Index you selected for a given Crediting Method experienced gains through some, or most, of the Term. If you allocate Purchase Payments or transfer Contract Value to the
                  Index Options with Index Protection Strategy with Trigger or Index Protection Strategy with Cap, positive returns are limited by the Trigger Rates and Caps.
                  You are not subject, however, to potential negative Performance Credits. The Trigger Rates on the&#160;Index Dual Precision Strategy and Index Precision Strategy
                  Index Options, and the Caps on the Index Guard Strategy and Index Performance Strategy Index Options also limit positive returns and could cause performance to be lower than it would otherwise have been if you invested in a mutual fund or exchange-traded fund </font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;28&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_12"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">designed to track the performance of the applicable Index. For the Index Performance Strategy, we apply the Cap and any Participation Rate for the entire Term length; we do </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">not</font><font style="color: #000000; font-family: Times New Roman;"> apply the Cap and any Participation Rate annually on a 3-year or 6-year Term Index Option.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Index Options do not directly participate in the returns of the Indexes or the Indexes&#8217; component securities, and do not receive any dividends payable on these securities. Index returns would be higher if they included the dividends from the component securities. The past ten years of actual average of the annual Index returns without and with dividends would have been as follows:</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="zdff6cdf03226460b8e0e498065285b44" style="empty-cells:show;width:494pt;">

                  <tr style="height:11pt;">
                    <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:165.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">&#160;</font></div>
                      </div>
                    </td>
                    <td colspan="5" style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:328.43pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:4pt;margin-right:-2pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">January 1, 2014 through December 31, 2023</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:27pt;">
                    <td style="padding-bottom:4pt;padding-top:1.5pt;vertical-align:Bottom;width:165.57pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:49.31pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:4pt;margin-right:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">S&amp;P 500</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">&#174;</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:62.51pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:4pt;margin-right:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Nasdaq-100</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">&#174;</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:66.19pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:4pt;margin-right:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Russell 2000</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">&#174;</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:55.68pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:4pt;margin-right:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">EURO</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">STOXX 50</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">&#174;</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:94.74pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">iShares</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> MSCI</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Emerging Markets ETF</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13.5pt;">
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.5pt;vertical-align:Top;width:165.57pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Returns without dividends</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.5pt;vertical-align:Top;white-space:nowrap;width:49.31pt;">
                      <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:37.31pt;">
                        <div style="display:flex;margin:auto;width:22.52pt;">
                          <div style="display:flex;white-space:nowrap;width:22.52pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:22.52pt;">11.02</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.5pt;vertical-align:Top;white-space:nowrap;width:62.51pt;">
                      <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:50.51pt;">
                        <div style="display:flex;margin:auto;width:22.52pt;">
                          <div style="display:flex;white-space:nowrap;width:22.52pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:22.52pt;">19.57</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.5pt;vertical-align:Top;white-space:nowrap;width:66.19pt;">
                      <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:54.19pt;">
                        <div style="display:flex;margin:auto;width:17.96pt;">
                          <div style="display:flex;white-space:nowrap;width:17.96pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:17.96pt;">6.76</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.5pt;vertical-align:Top;white-space:nowrap;width:55.68pt;">
                      <div style="line-height:13.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.68pt;">
                        <div style="display:flex;margin:auto;width:17.96pt;">
                          <div style="display:flex;white-space:nowrap;width:17.96pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:17.96pt;">4.60</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.375pt;padding-top:1.5pt;vertical-align:Top;white-space:nowrap;width:94.74pt;">
                      <div style="line-height:13.0pt;margin-left:6pt;text-align:right;width:88.74pt;">
                        <div style="display:flex;margin:auto;width:17.96pt;">
                          <div style="display:flex;white-space:nowrap;width:17.96pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:17.96pt;">1.04</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11.5pt;">
                    <td style="padding-top:1.375pt;vertical-align:Top;width:165.57pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Returns with dividends</font></div>
                      </div>
                    </td>
                    <td style="padding-top:1.375pt;vertical-align:Top;white-space:nowrap;width:49.31pt;">
                      <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:37.31pt;">
                        <div style="display:flex;margin:auto;width:22.52pt;">
                          <div style="display:flex;white-space:nowrap;width:22.52pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:22.52pt;">13.09</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-top:1.375pt;vertical-align:Top;white-space:nowrap;width:62.51pt;">
                      <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:50.51pt;">
                        <div style="display:flex;margin:auto;width:22.52pt;">
                          <div style="display:flex;white-space:nowrap;width:22.52pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:22.52pt;">20.79</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-top:1.375pt;vertical-align:Top;white-space:nowrap;width:66.19pt;">
                      <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:54.19pt;">
                        <div style="display:flex;margin:auto;width:17.96pt;">
                          <div style="display:flex;white-space:nowrap;width:17.96pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:17.96pt;">8.19</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-top:1.375pt;vertical-align:Top;white-space:nowrap;width:55.68pt;">
                      <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.68pt;">
                        <div style="display:flex;margin:auto;width:17.96pt;">
                          <div style="display:flex;white-space:nowrap;width:17.96pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:17.96pt;">8.10</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-top:1.375pt;vertical-align:Top;white-space:nowrap;width:94.74pt;">
                      <div style="line-height:12pt;margin-left:6pt;text-align:right;width:88.74pt;">
                        <div style="display:flex;margin:auto;width:17.96pt;">
                          <div style="display:flex;white-space:nowrap;width:17.96pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:17.96pt;">3.22</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:9pt;text-align:left;">
              <div style="margin-top:9pt;"><font style="color: #000000; font-family: Times New Roman;">Trigger Rates, Caps, and Participation Rates may be adjusted on the next Term Start Date and may vary significantly from Term to Term. Changes to Trigger Rates, Caps, and Participation Rates may significantly affect the Performance Credit you receive. For more information, see the &#8220;Risks Associated with&#160;Changes to&#160;Trigger Rates, Caps, and Participation Rates&#8221;
                  discussion later in this section.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Crediting Methods only capture Index Values on the Term Start Date and Term End Date, so you will bear the risk that the Index Value might be abnormally low on these days.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Risks Associated with Performance Locks and Early Reallocations</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If a Performance Lock is executed:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">You will no longer participate in Index performance, positive or negative,
                    for the remainder of the Term for the locked Index Option. This means that under no circumstances will your Index Option Value increase during the remainder
                    of the Term for a locked Index Option, and you will begin a new Index Option&#160;with a new Term Start Date on the next Index Anniversary that occurs on or immediately after the Lock Date&#160;unless you execute an Early Reallocation&#160;(if available to you).&#160;If you decide to execute an Early Reallocation, you can execute a Performance Lock and then, at the earliest,
                    execute an Early Reallocation on the same Business Day. When executing both the Performance Lock and Early Reallocation on the same Business Day, your Lock
                    Date is also the Term Start Date for the new Index Option.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman;">You will not receive a Performance Credit on any locked Index Option on the
                    Term End Date.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">We use the Daily Adjustment calculated at the end of the </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">current</font><font style="color: #000000; font-family: Times New Roman;"> Business Day on the Lock Date to
                    determine your locked Index Option Value. This means that, if you request a Performance Lock, your Index Option Value will lock at an unknown future value which may be higher or lower than it was at the point in time you requested a Performance Lock. In addition, if you set a lower target, your Index Option Value may lock at a lower value than the target you set.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">If a Performance Lock is executed when your Daily Adjustment has declined,
                    you will lock in any loss. It is possible that you would have realized less of a loss or no loss if the Performance Lock occurred at a later time, or if the
                    Index Option was not locked.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">We will not execute your request for&#160;a Performance Lock on Index Protection
                    Strategy with Trigger or Index Protection Strategy with Cap Index Options if the Daily Adjustment is zero.&#160;This may limit your ability to take advantage of
                    the benefits of the Early Reallocation feature.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman;">There are limits on Early Reallocations. We do not accept Early Reallocation
                    requests within 14 calendar days before an Index Anniversary; and you are limited to two Early Reallocation requests each Index Year, but each request can involve multiple locked Index Options. After your second Early Reallocation request in an Index Year, any locked Index Options will remain locked until the next Index Anniversary. These limitations mean you may not be able to take advantage of
                    any increases to Early Reallocation rates, or any advantageous changes to Index values that may become available at the optimal time. This may limit your
                    return potential. Early Reallocation is available for amounts allocated to any locked&#160;Index Option, subject to the restrictions described in this
                    prospectus.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Early Reallocation Trigger Rates, Caps, and Participation Rates you receive
                    may be less than the Early Reallocation rates that become available later in the Index Year, or the renewal rates available on the next Index Anniversary.
                    This may limit your return potential.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;29&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_13"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="zde78e423a7d34b5f8e7b5c80503d2030" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:auto;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">We will not provide
                            advice or notify you regarding whether you should execute a Performance Lock&#160;or Early </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Reallocation or the
                            optimal time for doing so. We will not warn you if you execute a Performance Lock&#160;or Early </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Reallocation at a
                            sub-optimal time. We are not responsible for any losses related to your decision whether or not to </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">execute a Performance
                            Lock&#160;or Early Reallocation.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:12pt;text-align:left;">
              <div style="margin-top:12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Risks Associated with Substitution of an Index&#160;and Limitation on Further Investments</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">There is no guarantee that the Indexes will be available during the entire time that you own your Contract. Once we add an Index to your Contract, we cannot remove it without simultaneously substituting it. For the Index Options, if we substitute a new Index for an existing Index, the performance of the new Index may be different and this may affect your ability to receive positive Performance Credits. We may substitute a new Index for an existing Index if:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the Index is discontinued,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">we are unable to use the Index because, for example, changes to an Index make
                    it impractical or expensive to purchase derivative hedging instruments to hedge the Index, or we are not licensed to use the Index,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the method of calculation of the Index Values changes substantially,
                    resulting in significantly different Index Values and performance results. This could occur, for example, if an Index altered the types of securities
                    tracked, or the weighting of different categories of securities, or</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">we determine in our sole discretion that the substitution is necessary due to
                    unanticipated events outside of our direct control. This might include other events similar to those listed above, other changes to the Index (such as name
                    or ownership changes) that legally may be considered a substitution, or a breach by the Index provider of the Index intent or performance expectations.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If we add or substitute an Index, we first seek any required regulatory approval from each applicable state insurance regulator and then provide you with written notice. We also provide you with written notice if an Index changes its name. Index substitutions can occur either on a Term Start Date or during a Term. If we substitute an Index during a Term, we will combine the return of the previously available substituted Index from the Term Start Date to the substitution date with the
                  return of the new Index from the substitution date to the Term End Date. If we substitute an Index during a Term:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">we do </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">not</font><font style="color: #000000; font-family: Times New Roman;"> change the Charge Base we use to calculate the product and rider fees, and</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the Buffers, Floors, Trigger Rates, Caps, and Participation Rates for the
                    substituted Index will apply to the new Index. We do </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">not</font><font style="color: #000000; font-family: Times New Roman;"> change the Buffers, Floors, Trigger Rates, Caps, or Participation Rates that were in
                    effect on the Term Start Date.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Similarly, if we substitute an Index on a Term Start Date, the applicable Buffer, Floor, and minimum Trigger Rate, Cap, or Participation Rate will not change.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Changes to Trigger Rates, Caps, and Participation Rates associated with the new Index, if any, may occur at the next regularly scheduled Term Start Date, subject to their respective minimums. Depending on the constitution of the substituted Index, the volatility of its investments, and our ability to hedge the Index&#8217;s performance, we may determine, in our
                  discretion, to increase or decrease renewal Trigger Rates, Caps, and Participation Rates associated with the new Index, subject to their respective minimums.
                  However, we would not implement any change to reflect this difference until the next Term Start Date after the substitution. The substitution of an Index
                  during a Term may result in an abnormally large change in the Daily Adjustment on the day we substitute the Index due to changes in Proxy Value inputs (such
                  as volatility, dividend yield, and interest rate). However, you would only be affected by this change in the Daily Adjustment if a normal transaction to which the Daily Adjustment applies (such as a withdrawal you take) occurs on the substitution date.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The selection of a substitution Index is in our discretion; however, it is anticipated that any substitute Index will be substantially similar to the Index it is replacing and we will substitute any equity Index with a broad-based equity index.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We may also discontinue accepting new allocations into a specific Index Option at any time.&#160;</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Risks Associated with&#160;Changes to&#160;Trigger Rates, Caps, and Participation Rates</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The 10%, 20%,&#160;and 30% Buffers, and -10% Floors for the currently available Index Options do not change. However, if we add a new Index Option to your Contract after the Issue Date, we establish the Buffer or Floor for it on the date we add the Index Option to your Contract. For a new Index Option, the minimum Buffer is 5% and the minimum Floor is -25%.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Subject to their respective minimums, we establish the initial Trigger Rates, Caps, and Participation Rates for a newly issued Contract on the Index Effective Date and they cannot change until the next Term Start Date. You select the Index </font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
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          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;30&#8201;</font></div>
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          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">Effective Date when you purchase your Contract. It can be any Business Day from the Issue Date up to and including the first Quarterly Contract Anniversary, but it cannot be the 29th, 30th, or 31st of a month.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">You should be aware that, generally, initial Trigger Rates, Caps, and Participation Rates could change every seven calendar days. However, these rates are guaranteed to be available during the period stated on our website at </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">www.allianzlife.com/RILAincomerates</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;"> and cannot be superseded until that period ends. If you select an Index Effective Date that is
                  within the guaranteed period for the initial rates that are available for review on the date you signed your application, you will receive
                  the initial rates that were available on the date you signed your application. However, if you select an Index Effective Date that is after
                  this guaranteed period, you are subject to the risk that initial Trigger Rates, Caps, and Participation Rates may change and be less
                  advantageous to you. You are responsible for reviewing the initial rates before your Index Effective Date to ensure your allocations and the
                product still meet your needs. Furthermore, if your Index Effective Date is after the end of the free look period and you cancel the Contract, you will receive the Cash Value. On or before the Index Effective Date, the Daily Adjustment does&#160;</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">not</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">&#160;apply. You may review future rates at least seven calendar days before their effectiveness at </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">www.allianzlife.com/RILAincomerates</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">. You (or your Financial Professional, if
                  authorized) can change your Index Effective Date at any time before it occurs to be an earlier or later date by submitting a request.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We can change the renewal and Early Reallocation Trigger Rates, Caps, and Participation Rates for an existing Contract on each new Term Start Date subject to the guaranteed minimums, in our discretion.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We will send you a letter at least 30 days before each Index Anniversary. This letter advises you that current Trigger Rates, Caps, and Participation Rates are expiring, and that renewal rates for the next Term Start Date will be available for your review. The Index Anniversary letter also reminds you of your opportunity to transfer&#160;your Index Option Values on the upcoming Term End Date. On each Term End Date, you have the option of remaining allocated to your current Index Options at the
                  renewal Trigger Rates, Caps, and Participation Rates that we set on the next Term Start Date, or transferring to another permitted Index Option. At least
                  seven calendar days before each Index Anniversary, we publish renewal rates for the next Term Start Date for your review in your account on our website, and
                  on our public website at www.allianzlife.com/RILAincomerates. If you do not
                  review renewal change information when it is published, or take no action to transfer to another permitted Index Option, you will remain allocated to your
                  current Index Options and will automatically become subject to the renewal Trigger Rates, Caps, and Participation Rates until the next Term End Date.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">You risk the possibility that the renewal Trigger Rates, Caps, and Participation Rates you receive may be less than you would find acceptable. If you do not find the renewal rates acceptable, you must give us transfer instructions no later than the end of the Business Day on the Term End Date (or the next Business Day if the Term End Date is a non-Business Day) or you will be subject to these renewal Trigger Rates, Caps, and Participation Rates for the next Term.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">When&#160;your renewal rates change the only options available to you are to transfer Index Option Value between Index Options&#160;by changing your allocation instructions, or take a full withdrawal (which is subject to a withdrawal charge, taxes, and may be subject to tax penalties).</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If you execute a Performance Lock you may be able to request an Early Reallocation and begin a new Index Option with a new Term Start Date and a new Trigger Rate, Cap, or Participation Rate before the next Index Anniversary. We can change Early Reallocation Trigger Rates, Caps, and Participation Rates subject to the guaranteed minimums, in our discretion. We
                  publish Early Reallocation rates at least seven calendar days before the end of the current Early Reallocation offering period for your review in your account
                  on our website. If you do not execute an Early Reallocation, you will remain allocated to your current locked Index Options until the Index Anniversary that
                  occurs on or immediately after the Lock Date.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Initial, renewal, and Early Reallocation Trigger Rates, Caps, and Participation Rates may vary significantly depending upon a variety of factors, including:</font></div>
            </div>
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                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">market volatility,</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
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              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">our hedging strategies and investment performance,</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the availability of hedging instruments,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the amount of money available to us through Contract fees and expenses to
                    purchase hedging instruments,</font></div>
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              <div style="clear:both;position:relative;"> </div>
            </div>
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              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">your Index Effective Date,</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
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              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the level of interest rates,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">utilization of Contract benefits by Owners, and</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">our profitability goals.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
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          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;31&#8201;</font></div>
          </div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">Due to a combination of factors, including potential changes in interest rates and other market conditions (e.g. rising inflation), the current economic environment is evolving. The future impact on initial, renewal, and Early Reallocation Trigger Rates, Caps, and Participation Rates cannot be predicted with certainty. The effect of a change in interest rates or other
                market conditions may not be direct or immediate. There may be a lag in changes to Trigger Rates, Caps, and Participation Rates. Interest rates could increase.
                In a rising interest rate environment, increases in Trigger Rates, Caps, and Participation Rates, if any, may be substantially slower than increases in interest
                rates.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We manage our obligation to provide Performance Credits in part by trading call and put options, and other derivatives on the available Indexes. The costs of the call and put options and other derivatives vary based on market conditions, and we may adjust future renewal and Early Reallocation Trigger Rates, Caps, and Participation Rates to reflect these cost changes. The primary factor affecting the differences in the initial Trigger Rates, Caps, and Participation Rates for newly issued
                  Contracts and renewal and Early Reallocation rates for existing Contracts is the difference in what we can earn from these investments for newly issued
                  Contracts versus what we are earning on the investments that were made, and are being held to maturity, for existing Contracts. In some instances, we may need
                  to reduce initial, renewal, and Early Reallocation Trigger Rates, Caps, and Participation Rates, or we may need to substitute an Index. You bear the risk that
                  we may reduce Trigger Rates, Caps, and Participation Rates, which reduces your opportunity to receive positive Performance Credits.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Risks Associated with Investment in Derivative Hedging Instruments</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Index Options are supported by bonds and other fixed income securities which are also used to support the Contract guarantees, cash, and derivative hedging instruments used to hedge the movements of the applicable Index.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">At Contract issue, we invest a substantial majority of the initial Contract Value in fixed income securities, with most of the remainder invested in derivative hedging instruments. The derivative hedging instruments are purchased to track and hedge Index movements and support our obligations with regard to the Index Options. The derivative hedging instruments we purchase include put options, call options, futures, swaps, and other derivatives.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We currently limit our purchase of derivative hedging instruments to liquid securities. However, like many types of derivative hedging instruments, these securities may be volatile and their price may vary substantially. In addition, because we pay Performance Credits regardless of the performance of derivative hedging instruments we purchase, we may incur losses on hedging mismatches or errors in hedging. We may incur additional costs if the costs of our hedging program increase due
                  to market conditions or other factors. Our overall experience with hedging securities may affect renewal and Early Reallocation Trigger Rates, Caps, and
                  Participation Rates for existing Contracts.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Risks of Deducting Financial Adviser Fees from the Contract</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If you have an investment adviser and want to pay their financial adviser fees from this Contract, you can instruct us to withdraw the fee from your Contract and pay it to your adviser. Once authorized by you, the investment adviser requests each fee payment by submitting a letter of instruction that includes the fee amount. The deduction of financial adviser fees is in
                  addition to this Contract&#8217;s fees and expenses, and the deduction is treated the same as any other withdrawal under the Contract. As such, withdrawals to pay
                  financial advisers fees may be subject to a Daily Adjustment (that could be negative), are subject to withdrawal charges, will reduce the Contract Value
                  dollar for dollar and Guaranteed Death Benefit Value proportionately (perhaps significantly and by more than the amount withdrawn), are subject to income
                  taxes (and may also be subject to a 10% additional federal tax for amounts withdrawn before age 59</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</font><font style="color: #000000; font-family: Times New Roman;">). </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Please consult with your Financial Professional before requesting us to pay financial adviser fees from this Contract rather than from other assets you may have.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Risks Associated with Our Financial Strength and Claims-Paying Ability</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We make Income Payments, Annuity Payments, and pay death benefits from our general account. Our general account assets are subject to claims by our creditors, and any payment we make from our general account is subject to our financial strength and claims-paying ability. We apply Performance Credits from an unregistered, non-unitized, non-insulated separate account (</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Separate Account IANA</font><font style="color: #000000; font-family: Times New Roman;">).
                  Like our general account, the assets in Separate Account IANA are subject to our general business operation liabilities and the claims of our creditors, and
                  are also subject to our financial strength and claims-paying ability. For more information on Separate Account IANA, see section 13, Other Information &#8211; Our Unregistered Separate Account.</font></div>
            </div>
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            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;32&#8201;</font></div>
          </div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Regulatory Protections</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Allianz Life is not an investment company and therefore we are not registered as an investment company under the Investment Company Act of 1940, as amended, and the protections provided by this Act are not applicable to the guarantees we provide. The Separate Account is, however, registered as an investment company. Any allocations you make to an Index
                  Option are not part of the Separate Account. Allianz Life is not an investment adviser and so is not subject to the Investment Advisers Act of 1940, and does
                  not provide investment advice to you in connection with your Contract.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Your Contract is registered in accordance with the Securities Act of 1933 and the offering of the Contract must be conducted in accordance with the requirements of this Act. In addition, the offer and sale of the Contract is subject to the provisions of the Securities Exchange Act of 1934.</font></div>
            </div>
            <div style="line-height:10.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Contract is filed with and approved by each state in which the Contract is offered. State insurance laws provide a variety of regulatory protections.</font></div>
            </div>
            <div style="line-height:13.0pt;margin-top:11pt;text-align:left;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 12.0pt; position: relative; top: -2pt; width: 494pt;"><font style="color: #000000; font-size: 11pt; text-transform: lowercase;">1.</font><font style="color: #000000; font-size: 11pt; line-height: 13pt; text-transform: uppercase;">&#8194;</font><font style="color: #000000; font-size: 11pt; text-transform: uppercase;">The Contract</font></div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">An annuity is a contract between you as the Owner, and an insurance company (in this case Allianz Life), where you make payments to us and we invest that money in the Index Options you select. The Variable Option holds the money you invest before it is transferred to the Index Options. Depending on market conditions, your Contract may gain or lose value based on the
                  returns of your selected Index Options and the Variable Option. When you are ready to take money out, we make payments to you according to your instructions
                  and any restrictions associated with the payment option you select that is described in this prospectus. Other than to add benefits that are beneficial to
                  you, we do not make any changes to your Contract without your permission except as may be required by law.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Contract has an Accumulation Phase and an Annuity Phase. If you begin taking Income Payments, your Contract will also have an Income Period. The Income Period occurs during the Accumulation Phase.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Accumulation Phase</font><font style="color: #000000; font-family: Times New Roman;"> is the first phase of your Contract, and it begins on the Issue Date. During the Accumulation Phase, we invest your money in the Index Options you select and the Variable Option on a tax-deferred basis. Tax deferral may not be
                  available for certain non-individually owned contracts. Tax deferral means you are not taxed on any earnings or appreciation on the assets in your Contract
                  until you take money out of your Contract. (For more information, see section 12, Taxes.)</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">During the Accumulation Phase, you can take withdrawals (subject to any withdrawal charge). You can also make additional Purchase Payments&#160;before the Income Period subject to the restrictions set out in section 3, Purchase Requirements. The Contract also offers at issue the optional Maximum Anniversary Value Death Benefit for an additional rider fee (see
                  section 11) if all Owners and the Annuitant are age 75 or younger on the Issue Date. The Maximum Anniversary Value Death Benefit can only be added to a
                  Contract at issue. The Maximum Anniversary Value Death Benefit potentially provides a death benefit greater than the Traditional Death Benefit based on the
                  Maximum Anniversary Value (highest Contract Value on any Index Anniversary before age 91, increased by the dollar amount of subsequent Purchase Payments, and reduced proportionately for subsequent withdrawals you take including any withdrawal charge).</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">During the </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Income Period</font><font style="color: #000000; font-family: Times New Roman;"> we make regular periodic Income Payments based on the life of the Covered Person(s). During the
                  Income Period we also restrict your selection of Crediting Methods to the Index Protection Strategy with Trigger or Index Protection Strategy with Cap, and
                  you cannot make additional Purchase Payments. However, unlike the Annuity Phase, you will have access to your Contract Value and death benefit for a period of
                  time after Income Payments begin. If you do not take Income Payments your Contract will not have an Income Period. The Income Period ends on the earlier of the last Business Day before the Annuity Date, or the date the Income Benefit ends. Income Payments can continue for the life of the Covered Person(s) if you do not take more than your allowed annual maximum payment.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If you request Annuity Payments, the Accumulation Phase and Income Period (if applicable) of your Contract ends and you enter the </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Annuity Phase</font><font style="color: #000000; font-family: Times New Roman;">. During the Annuity Phase, we make regular fixed periodic Annuity Payments based on guaranteed
                  period, life, life with a guaranteed period, joint and last survivor, or joint and 2/3 survivor. We send Annuity Payments to the </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Payee</font><font style="color: #000000; font-family: Times New Roman;"> (the person or entity who receives Annuity Payments
                  during the Annuity Phase). You can choose when Annuity Payments begin, subject to certain restrictions. We base Annuity Payments on Contract Value and the payout rates for the Annuity Option you select. If the Annuity Date occurs during the Income Period and your Income Payments are greater than the Annuity Payments as calculated for certain Annuity Options, you can elect to convert Income Payments to
                  Annuity Payments as described in section 8 &#8211; When Annuity Payments Begin. Your Annuity </font></div>
            </div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;33&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
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      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_17"></a>
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          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">Payments do not change unless an Annuitant dies, or we convert Income Payments made under the Increasing Income payment option to Annuity Payments. The Increasing Income payment option is discussed in section 10, Automatic Annual Income Payment Increases. The Annuity Phase ends when we make the last Annuity Payment under your selected Annuity Option. For more
                information, see section 8, The Annuity Phase.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">When the Accumulation Phase Ends</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Accumulation Phase ends upon the earliest of the following.</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The Business Day we process your request for a full withdrawal.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The Business Day before the Annuity Date.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Upon the death of any Owner (or the Annuitant if the Owner is a
                    non-individual), the Business Day we first receive Valid Claim from any one Beneficiary, unless the surviving spouse/Beneficiary continues the Contract. If
                    there are multiple Beneficiaries, the remaining Contract Value continues to fluctuate with the performance of the Index Options and the Variable Option until the complete distribution of the death benefit. A </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Valid Claim</font><font style="color: #000000; font-family: Times New Roman;"> is the documents we require to be received in Good Order at our Service Center before we pay any death claim.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
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            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Financial Adviser Fees</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If you have a financial adviser and want to take a withdrawal from this Contract to pay your financial adviser fee, you can submit a written request to our Service Center by completing our third party money management customer authorization of transfer form and fee redemption authorization form. If we approve your request, we withdraw the requested fees and pay them to
                  your Financial Professional or Financial Professional&#8217;s firm as instructed. The fee redemption authorization is an agreement between you and your Financial
                  Professional and/or the Financial Professional's firm. The agreement authorizes us to deduct financial adviser fees from the Contract and send them to the
                  Financial Professional or the Financial Professional's firm upon written request. You can terminate this agreement at any time by providing us written notice.
                  We retain the right to request an updated fee redemption authorization form at any time.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Once authorized by you, the Financial Professional or Financial Professional&#8217;s firm requests each fee payment by submitting a letter of instruction that includes the fee amount. </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">We treat
                  this fee payment as a withdrawal which means it is subject to a withdrawal charge, income taxes, and may also be subject to a 10% additional
                  federal tax for amounts withdrawn before age 59</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;font-weight:bold;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;font-weight:bold;">2</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">. The amount of Contract Value available for withdrawal may also be affected by the Daily Adjustment </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">(which can be
                  negative).</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; line-height: 12pt;"> </font><font style="color: #000000; font-family: Times New Roman;">We deduct financial adviser fees
                  (including any withdrawal charge) proportionately from each Index Option and the Variable Option. This withdrawal reduces the Contract Value and the amount available under the free withdrawal privilege by the dollar amount withdrawn. It may also reduce your Contract's Guaranteed Death Benefit Value proportionately by the percentage of Contract Value withdrawn, which may reduce this value</font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;"> by more than the amount withdrawn and these reductions could be significant.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If this is a Non-Qualified Contract, a withdrawal will be a taxable withdrawal to the extent that gain exists within the Contract. Financial adviser fees paid from any type of IRA Contract (including IRA, Roth IRA, and SEP IRA) will not be treated as a taxable withdrawal as long as the annuity contract is solely liable for the payment of the financial adviser fee. You
                  should consult a tax adviser regarding the tax treatment of financial adviser fee payments. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Please consult with your Financial Professional before requesting us to pay financial adviser fees from this Contract rather than from other assets you may have.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Your financial adviser acts on your behalf, not ours. We are not party to any agreement between you and your financial adviser, nor are we responsible for your financial adviser&#8217;s actions. We do not verify that withdrawals for financial adviser fees align with the terms of your agreement with your financial adviser, but we verify that payments are made in accordance with the fee redemption authorization agreement you submit to us. We do not set your financial adviser fee or receive any
                  part of it. Any withdrawals for financial adviser fees you pay is in addition to this Contract&#8217;s fees and expenses.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We pay sales commissions&#160;to the selling firms and their Financial Professionals. The maximum commission payable to the selling firms for Contract sales is expected to not exceed 7% of Purchase Payments. Sometimes, we enter into an agreement with a selling firm to pay commissions as a combination of a certain amount of the commission at the time of sale and a trail
                  commission which, when totaled, could exceed 7% of Purchase Payments. Financial Professionals and their managers may also be eligible for various benefits
                  such as production incentive bonuses, insurance benefits, and non-cash compensation items that we may provide jointly with our principal underwriter, Allianz
                  Life Financial Services, LLC. You </font></div>
            </div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;34&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
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          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">should ask your financial adviser about compensation they receive for this Contract. Allianz Life is not an investment adviser, and does not provide investment advice in connection with sales of the Contract. We are not a fiduciary to you, and do not make recommendations or assess suitability.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">You can submit a written request to our Service Center on a form satisfactory to us to allow your financial adviser to make Index Option transfers and allocation changes on your behalf. However, we reserve the right to review a financial adviser&#8217;s trading history before allowing him or her to make transfers. If, in our sole discretion, we believe the financial adviser&#8217;s trading history indicates excessive trading, we can deny your request. If we approve it, your financial adviser is subject to the same trading restrictions that apply to Owners. We can deny or revoke trading authority in our sole discretion.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Financial Adviser Fee Deduction Example</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">These calculations show the effects of withdrawing financial adviser fees on the Contract Value and available Guaranteed Death Benefit Value. These withdrawals (including any withdrawal charges) immediately reduce the Contract Value on a dollar for dollar basis, and reduce the available Guaranteed Death Benefit Value by the percentage of Contract Value withdrawn.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">The following example assumes the Contract was purchased on or after May 1, 2024.</font><font style="color: #000000; font-family: Times New Roman;"> The example assumes a withdrawal of $5,000 once per year on days that are not Term End
                  Dates to pay financial adviser fees starting when the Contract Value is $100,000, the Guaranteed Death Benefit Value under the Traditional Death Benefit is
                  $90,000, and the Guaranteed Death Benefit Value under the Maximum Anniversary Value Death Benefit is $105,000. The first withdrawal assumes that there is no amount remaining under the free withdrawal privilege for that year, so that withdrawal is subject to an 8% withdrawal charge. Subsequent withdrawals are all taken under the free withdrawal privilege. All fractional numbers in these examples have been rounded up to the next whole number. All Contract Value figures reflect the Daily Adjustment.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
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              <table cellspacing="0" cellpadding="0" id="z4a3ceb4dff394f3c943935bd37dbb3bd" style="empty-cells:show;width:494pt;">

                  <tr style="height:51pt;">
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:154.8pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:4pt;margin-right:3pt;padding-bottom:1pt;">
                          <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Financial Adviser Fee</font></div>
                          <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal</font></div>
                        </div>
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                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:86.19pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:3pt;margin-right:3pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Contract</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Value</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:121.31pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:3pt;margin-right:3pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Guaranteed Death Benefit</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Value for a Contract with the</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Traditional Death Benefit</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:131.7pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:3pt;margin-right:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Guaranteed Death Benefit Value</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">for a Contract with the</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Maximum Anniversary Value</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Death Benefit</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13.5pt;">
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:154.8pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Prior to 1</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> years withdrawal</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:86.19pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 100,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:121.31pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 90,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:131.7pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 105,000</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:154.8pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$5,000 withdrawal (subject to an</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:86.19pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:121.31pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:131.7pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13.5pt;">
                    <td style="padding-bottom:4pt;padding-top:2.5pt;vertical-align:Top;width:154.8pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">8% withdrawal charge)</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:86.19pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; [($5,000 &#247; (1 &#8211; 8%)]</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:121.31pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:131.7pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:15pt;">
                    <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:154.8pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Amount withdrawn</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:86.19pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; $5,435</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:121.31pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; [($5,435 &#247; 100,000) x 90,000]</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:131.7pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; [($5,435 &#247; 100,000) x 105,000]</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:15pt;">
                    <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:154.8pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:86.19pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:121.31pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $4,892</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:131.7pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $5,707</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13.5pt;">
                    <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:154.8pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">After 1</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> years withdrawal</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:86.19pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 94,565</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:121.31pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 85,108</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:131.7pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 99,293</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="vertical-align:Top;width:154.8pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:86.19pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:121.31pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:131.7pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:154.8pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Prior to 2</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">nd</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> years withdrawal</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:86.19pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 97,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:121.31pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 85,108</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:131.7pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 99,293</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:154.8pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$5,000 withdrawal (not subject to a</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:86.19pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:121.31pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:131.7pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13.5pt;">
                    <td style="padding-bottom:4pt;padding-top:2.5pt;vertical-align:Top;width:154.8pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">withdrawal charge)</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:86.19pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; $5,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:121.31pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; [($5,000 &#247; 97,000) x 85,108]</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:131.7pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; [($5,000 &#247; 97,000) x 99,293]</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:15pt;">
                    <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:154.8pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:86.19pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:121.31pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $4,388</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:131.7pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $5,119</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13.5pt;">
                    <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:154.8pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">After 2</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">nd</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> years withdrawal</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:86.19pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 92,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:121.31pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 80,720</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:4pt;vertical-align:Top;width:131.7pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 94,174</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="vertical-align:Top;width:154.8pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:86.19pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:121.31pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:131.7pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:154.8pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Prior to 3</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">rd</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> years withdrawal</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:86.19pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 80,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:121.31pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 80,720</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:131.7pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 94,174</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13.5pt;">
                    <td style="padding-bottom:4pt;padding-top:2.5pt;vertical-align:Top;width:154.8pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$5,000 withdrawal (not subject to a</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:86.19pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; $5,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:121.31pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; [($5,000 &#247; 80,000) x 80,720]</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:131.7pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; [($5,000 &#247; 80,000) x 94,174]</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:15pt;">
                    <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:154.8pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">withdrawal charge)</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Top;width:86.19pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:121.31pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $5,045</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:4pt;vertical-align:Top;width:131.7pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $5,886</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="padding-top:4pt;vertical-align:Top;width:154.8pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">After 3</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">rd</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> years withdrawal</font></div>
                      </div>
                    </td>
                    <td style="padding-top:4pt;vertical-align:Top;width:86.19pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 75,000</font></div>
                      </div>
                    </td>
                    <td style="padding-top:4pt;vertical-align:Top;width:121.31pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 75,675</font></div>
                      </div>
                    </td>
                    <td style="padding-top:4pt;vertical-align:Top;width:131.7pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 88,288</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:9pt;text-align:left;">
              <div style="margin-top:9pt;"><font style="color: #000000; font-family: Times New Roman;">The death benefit is the greater of the Contract Value, or the Guaranteed Death Benefit Value, so the death benefit would be:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">$94,565 Contract Value under the Traditional Death Benefit, or the $99,293
                    Guaranteed Death Benefit Value under the Maximum Anniversary Value Death Benefit after the first adviser fee deduction.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">$92,000 Contract Value under the Traditional Death Benefit, or the $94,174
                    Guaranteed Death Benefit Value under the Maximum Anniversary Value Death Benefit after the second adviser fee deduction.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;35&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_19"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div>
              <div style="clear:both;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">$75,675 Guaranteed Death Benefit Value under the Traditional Death Benefit,
                    or the $88,288 Guaranteed Death Benefit Value under the Maximum Anniversary Value Death Benefit after the third adviser fee deduction.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Please see section 10, Income Benefit &#8211; Excess Withdrawals for an example showing the impact of taking an Excess Withdrawal of $5,000 from the Contract to pay financial adviser fees to your Financial Professional.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">When the Contract Ends</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">The Contract ends when:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">all applicable phases of the Contract (Accumulation Phase, Income Period
                    and/or Annuity Phase) have ended, and/or</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">if we received a Valid Claim, all applicable death benefit payments have been
                    made.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:10.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">For example, if you take a full withdrawal of the total Cash Value, both the Accumulation Phase and the Contract end even though the Income Period and Annuity Phase never began and we did not make any death benefit payments.</font></div>
            </div>
            <div style="line-height:13.0pt;margin-top:11.5pt;text-align:left;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 12.0pt; position: relative; top: -2pt; width: 494pt;"><font style="color: #000000; font-size: 11pt; text-transform: lowercase;">2.</font><font style="color: #000000; font-size: 11pt; line-height: 13pt; text-transform: uppercase;">&#8194;</font><font style="color: #000000; font-size: 11pt; text-transform: uppercase;">Ownership, Annuitant, Determining Life, Beneficiary, and Payee</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Owner</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Owner designated at Contract issue has all the rights under the Contract. The Owner may be an individual, or a non-individual (such as a trust or other entity acting as an agent for a natural person). Qualified Contracts and non-individually owned Contracts can only have one Owner. A </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Qualified Contract</font><font style="color: #000000; font-family: Times New Roman;"> is purchased under a pension or retirement plan that qualifies for special tax treatment
                  under sections of the Code.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Joint Owner</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">A Non-Qualified Contract can be owned by up to two individual Owners </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(Joint Owners)</font><font style="color: #000000; font-family: Times New Roman;">. Joint Owners must be spouses within the meaning of federal tax law. We generally require the signature of both Joint Owners on any forms that are submitted to our
                  Service Center.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Annuitant</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Annuitant is the individual on whose life we base Annuity Payments. Subject to our approval, you designate an Annuitant when you purchase a Contract. For Qualified Contracts, before the Annuity Date, the Owner must be the Annuitant unless the Contract is owned by a qualified plan or is part of a custodial arrangement. You can change the Annuitant on an
                  individually owned Non-Qualified Contract at any time before the Annuity Date. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">You cannot change the Annuitant if the Owner is a non-individual</font><font style="color: #000000; font-family: Times New Roman;">. Subject to our
                  approval, you can add a joint Annuitant on the Annuity Date. For Qualified Contracts, the ability to add a joint Annuitant is subject to any plan requirements
                  associated with the Contract. For individually owned Contracts, if the Annuitant who is not an Owner dies before the Annuity Date, the sole Owner (or younger Joint Owner) automatically becomes the new Annuitant, but the Owner can subsequently name another Annuitant.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Designating different persons as Owner(s) and Annuitant(s) can have important impacts on whether a death benefit is paid, and on who receives it as indicated below</font><font style="color: #000000; font-family: Times New Roman;">. For more examples,
                  please see the Appendix A to the Form N-4 SAI. In order to convert Income Payments to Annuity Payments the Covered Person(s) must be named as the Annuitant(s)
                  as discussed in section 8, When Annuity Payments Begin. </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Designating
                  different persons as Covered Person(s) and Annuitant(s) will cause the Income Benefit and Income Payments to end at the maximum permitted
                  Annuity Date. </font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;36&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_20"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Use care when designating Owners, Covered Person(s) and Annuitant(s), and consult your Financial
                Professional if you have questions</font><font style="color: #000000; font-family: Times New Roman;">.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z90f1874d95594a1d8a835ffe68a9dfa6" style="empty-cells:show;width:494pt;">

                  <tr style="height:12.25pt;">
                    <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Bottom;width:494pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">UPON THE DEATH OF A SOLE OWNER</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:16pt;">
                    <td style="padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Bottom;width:247pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-right:9pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Action if the Contract is in the Accumulation Phase</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Bottom;width:247pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:9pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Action if the Contract is in the Annuity Phase</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:286.75pt;">
                    <td style="padding-top:2.25pt;vertical-align:Top;width:247pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;We pay a death benefit to the Beneficiary unless the </font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Beneficiary is the surviving spouse and continues the Contract. </font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">The Income Benefit and any Income Payments will also end </font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">unless the Beneficiary is both a surviving spouse and either an </font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Eligible Person (if Income Payments have not begun) or a </font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Covered Person (if Income Payments have begun).</font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If the deceased Owner was a Determining Life and the </font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">surviving spouse Beneficiary continues the Contract:</font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:14pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.5pt;">we increase the Contract Value to equal the Guaranteed </font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">Death Benefit Value if greater and available, and the </font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">death benefit ends,</font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:14pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.5pt;">the surviving spouse becomes the new Owner,</font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:14pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.5pt;">if Income Payments have not begun the Accumulation </font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">Phase continues,</font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:14pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.5pt;">if Income Payments have begun they can only continue if </font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">the surviving spouse is a Covered Person; otherwise the </font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">Income Benefit ends, and</font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:14pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.5pt;">upon the surviving spouse&#8217;s death, his or her </font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">Beneficiary(ies) receives the Contract Value.</font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If the deceased Owner was not a Determining Life, the </font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Traditional Death Benefit&#160;or Maximum Anniversary Value Death </font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Benefit are not available and the Beneficiary(ies) receives the </font></div>
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract Value.</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2.25pt;vertical-align:Top;width:247pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;The Beneficiary becomes the Payee. If we are still required to </font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">make Annuity Payments under the selected Annuity Option, the </font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Beneficiary also becomes the new Owner.</font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If the deceased was not an Annuitant, Annuity Payments to the </font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Payee continue. No death benefit is payable.</font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If the deceased was the only surviving Annuitant, Annuity </font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Payments end or continue as follows.</font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:14pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.5pt;">Annuity Option A or C, payments end when the </font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">guaranteed period ends.</font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:14pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.5pt;">Annuity Option B, F, or G, payments end. If Income </font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">Payments were converted to Annuity Payments under </font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">Annuity Option B or F, we will also pay any remaining </font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">value to the named Beneficiary(ies).</font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:14pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:4.5pt;">For more information on the Annuity Options, please see </font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:28pt;">section 8.</font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If the deceased was an Annuitant and there is a surviving joint </font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Annuitant, Annuity Payments to the Payee continue during the </font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">lifetime of the surviving joint Annuitant. No death benefit is </font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">payable.</font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;For a Qualified Contract, the Annuity Payments must end ten </font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">years after the Owner&#8217;s death.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:12pt;text-align:left;">
              <div style="margin-top:12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Determining Life (Lives)</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Determining Life (Lives) are the individuals on whose life we base the Guaranteed Death Benefit Value provided by the Traditional Death Benefit&#160;or Maximum Anniversary Value Death Benefit. We establish the Determining Life (Lives) at Contract issue. For an individually owned Contract, the Determining Life (Lives) are the Owner(s). For a non-individually owned
                  Contract, the Determining Life is the Annuitant. After the Issue Date, the Determining Life (Lives) only change if:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">you remove a Joint Owner due to divorce, then we also remove that person as a
                    Determining Life,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">you add or change a Joint Owner, then&#160;that person will become a Determining
                    Life if they are the current spouse within the meaning of federal tax law&#160;of an existing Owner, or&#160;</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">you establish a jointly owned Non-Qualified Contract and change ownership to
                    a Trust, then we remove the prior Owner who is not the Annuitant as a Determining Life.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Beneficiary</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Beneficiary is the person(s) or entity you designate to receive any death benefit. You can change the Beneficiary or contingent Beneficiary at any time before your death unless you name an irrevocable Beneficiary. If a Beneficiary dies before you, or you and a Beneficiary die within 120 hours of each other, that Beneficiary&#8217;s interest in this Contract ends unless
                  your Beneficiary designation specifies otherwise. If there are no surviving primary Beneficiaries, we pay the death benefit to the contingent Beneficiaries
                  who survive you. If there are no surviving Beneficiaries or if there is no named Beneficiary, we pay the death benefit to your estate or the Owner if the
                  Owner is a non-individual.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;37&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
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      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_21"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="zc57852adf9c34aefacbe589774794d2d" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:62pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:4.15pt;">FOR JOINTLY OWNED CONTRACTS:</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> The sole primary
                            Beneficiary is the surviving Joint Owner regardless of </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">any other named primary Beneficiaries. If both Joint Owners
                            die within 120 hours of each other, we pay the death </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">benefit to the named surviving primary Beneficiaries. If
                            there are no named surviving primary Beneficiaries, we pay </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">the death benefit to the named surviving contingent
                            Beneficiaries, or equally to the estate of the Joint Owners if there </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">are no named surviving contingent Beneficiaries.</font></div>
                      </div>
                    </td>
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                  <tr style="height:36pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:1.9pt;">NAMING AN ESTATE AS A BENEFICIARY:</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> If an estate is the
                            Beneficiary, the estate must be the sole primary </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Beneficiary, unless the Spouse is the sole primary
                            Beneficiary. If the Spouse is the sole primary Beneficiary, then an </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">estate can be a contingent beneficiary.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:12pt;text-align:left;">
              <div style="margin-top:12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Eligible Person(s) and Covered Person(s)</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We determine Eligible Persons on the Issue Date based on the Contract&#8217;s ownership and tax qualification status. We use Eligible Person(s) to determine the Income Percentage and Income Percentage Increase, when you will begin receiving Income Percentage Increases, when Income Payments are available to you, and the payment type (single or joint) available to you.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We base Income Payments on the lives of the Covered Person(s). We determine the Covered Person(s) on the Income Benefit Date based on the available Eligible Person(s), their marital status, and the payment type you select. Joint Income Payments are only available if there are two Eligible Persons on the Income Benefit Date who are also spouses within the meaning of federal tax law and they meet the requirements stated here. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Because Income Payments must begin no later than age 100, and are
                  not available until age 50, joint Income Payments are not available if there is more than a 50-year age difference between
                  spouses.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold;">Eligible Person and Covered Person Requirements</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">For a single, individual Owner:</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">You, the Owner, are an Eligible Person.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">If you and the sole primary Beneficiary are spouses within the meaning of
                    federal tax law, the sole primary Beneficiary is also an Eligible Person and you can select joint Income Payments with both Eligible Persons becoming
                    Covered Persons.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">If you select single Income Payments only you, the Owner, can be the Covered
                    Person.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">For Joint Owners:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Both Joint Owners are Eligible Persons.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">If you select single Income Payments you can designate either Eligible Person
                    to be the Covered Person.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">If you select joint Income Payments you must designate both Joint Owners to
                    be the Covered Persons.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">For Contracts owned by a non-individual:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The Annuitant is the Eligible Person.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">For Non-Qualified Contracts, we only allow one Eligible Person and joint
                    Income Payments are not available.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">For Qualified Contracts, if the Owner is a qualified plan or a custodian and
                    the Annuitant and sole contingent Beneficiary are spouses within the meaning of federal tax law, the sole contingent Beneficiary is also an Eligible Person. However, joint Income Payments are only available if the qualified plan or custodian is also the sole primary Beneficiary. This structure allows the surviving non-Annuitant spouse to continue to receive Income Payments, assuming the
                    surviving non-Annuitant spouse is the beneficiary under the qualified plan or custodial IRA.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">If you select single Income Payments only the Annuitant can be the Covered
                    Person.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If an Eligible Person or a Covered Person is no longer an Owner, Joint Owner, Annuitant, sole primary Beneficiary, or sole contingent Beneficiary as required above due to death, change in spousal status, an assignment or change of ownership/Beneficiary, we will remove that person from the Contract as an Eligible Person or Covered Person. If an Eligible Person is
                  removed, you cannot designate that person to be a Covered Person. If a Covered Person is removed, that person is no longer a Covered Person. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">If we remove all Eligible Persons or Covered Persons from the Contract, the Income Benefit ends.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">You can only add or replace an Eligible Person on or before the date you request Income Payments</font><font style="color: #000000; font-family: Times New Roman;">. If you add or change an Owner, sole primary Beneficiary or sole contingent Beneficiary
                  that person will become an Eligible Person if they are the current spouse within the meaning of federal tax law of an existing Eligible Person and meet the
                  requirements stated in this section. If you add or replace an Eligible Person we will recalculate your Lifetime Income Percentages based </font></div>
            </div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;38&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
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      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_22"></a>
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          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">on the age of the new Eligible Person on the Index Effective Date and Index Anniversaries, if applicable, as stated in section 10, Income Benefit &#8211; How the Income Benefit Works. At any given time there cannot be more than two Eligible Persons. </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">After the Income Benefit Date, you cannot add, remove, or replace a Covered Person even if you add or change an Owner, or Beneficiary</font><font style="color: #000000; font-family: Times New Roman;">.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold;">Change in Spousal Status of Eligible Persons or Covered Persons</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If at any time joint Eligible Persons or joint Covered Persons are no longer spouses you must send us written notice. If we receive notice on or before the Income Benefit Date, joint Income Payments will not be available to you unless you remarry and add your new spouse as a Joint Owner or sole primary or contingent Beneficiary according to the requirements stated in this
                  section. If we receive notice after the Income Benefit Date, we will remove one former spouse from the Contract as a Covered Person and also as an Owner,
                  Joint Owner, Annuitant and/or Beneficiary.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Upon notification of divorce, we treat any request to reduce or divide benefits under this Contract as a request for a withdrawal of Contract Value payable to you. However, for tax purposes this is generally treated as a transfer depending on the terms of the divorce decree. We process the withdrawal and remove one spouse from the Contract as an Eligible Person or Covered Person, Owner, Annuitant and/or Beneficiary, according to your instructions or any applicable court order. This
                  withdrawal is subject to any applicable tax or withdrawal charge, and may cause Income Payments and the Income Benefit to end prematurely. However, if you do
                  not notify us of the divorce, the Contract continues and upon the death of an Owner, we pay any applicable death benefit to the Beneficiary(s) and the
                  Contract and the Income Benefit both end.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Payee</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Payee is the person or entity who receives Annuity Payments during the Annuity Phase. The Owner receives tax reporting on those payments. Generally, we require the Payee to be an Owner. However, we may allow you to name a charitable trust, financial institution, qualified plan, or an individual specified in a court order as a Payee subject to our approval.
                  For Qualified Contracts owned by a qualified plan, the qualified plan must be the Payee.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Assignments, Changes of Ownership and Other Transfers of Contract Rights</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">You can assign your rights under this Contract to someone else during the Accumulation Phase. An assignment may be absolute or limited, and includes changes of ownership, collateral assignments, or any other transfer of specific Contract rights. After an assignment, you may need the consent of the assignee of record to exercise certain Contract rights depending on the type of assignment and the rights assigned.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Contract cannot be assigned without our consent. You must submit your request to assign the Contract in writing to our Service Center. We will not consent if the assignment would violate or result in noncompliance with any applicable state or federal law or regulation.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We record the assignment&#160;as of the date you signed the request, unless you specify otherwise. We are not responsible for the validity or effect of the assignment. We are not liable for any actions we take or payments we make before we receive your request in Good Order and record it. Assigning the Contract does not change, revoke or replace the originally named Annuitant or Beneficiary; if you also want to change the Annuitant or Beneficiary, you must make a separate request.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z07174e3602e94c9eb51f8483fcef9939" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:38pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.15pt;">An assignment may be a taxable event</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. In addition, there are other
                            restrictions on changing the ownership of a </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Qualified Contract and Qualified Contracts generally cannot
                            be assigned absolutely or on a limited basis. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">You should </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">consult with your tax
                            adviser before assigning this Contract</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:36pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">An assignment will only change the Determining Life (Lives) if it involves removing a Joint Owner due to </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">divorce, replacing Joint Owners with a
                            Trust, or adding a Joint Owner if that person is a spouse within the </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">meaning of federal tax law of the existing
                            Owner.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:13.0pt;margin-top:16pt;text-align:left;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 16.0pt; position: relative; top: -2pt; width: 494pt;"><font style="color: #000000; font-size: 11pt; text-transform: lowercase;">3.</font><font style="color: #000000; font-size: 11pt; line-height: 13pt; text-transform: uppercase;">&#8194;</font><font style="color: #000000; font-size: 11pt; text-transform: uppercase;">Purchasing the Contract</font></div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Purchase Requirements</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">To purchase this Contract, on the Issue Date, all Owners and the Annuitant must be:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">age 80 or younger, or</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">age 75 or younger if you select the Maximum Anniversary Value Death Benefit.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;39&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
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      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_23"></a>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">The Purchase Payment requirements for this Contract are as follows.</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The minimum initial Purchase Payment due on the Issue Date is $5,000.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">We restrict additional Purchase Payments.</font><font style="color: #000000; font-family: Times New Roman;"> Each Index Year during the Accumulation Phase &#160;and before the Income Benefit Date, you
                    cannot add more than your initial amount without our prior approval. Your initial amount is the total of all Purchase Payments received before the first
                    Quarterly Contract Anniversary of the first Contract Year. We allow you to add up to the initial amount in the remainder of the first Index Year. The
                    minimum additional Purchase Payment we will accept is $50.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">We do not accept additional Purchase Payments on or after the Income Benefit
                    Date, or on or after the Annuity Date.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The maximum total Purchase Payments we accept without our prior approval is
                    $1 million.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We may, at our sole discretion, waive the minimum Purchase Payment requirements.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Once we receive your initial Purchase Payment and all necessary information in Good Order at our Service Center, we issue the Contract within two Business Days. If the Issue Date is the same as the Index Effective Date, we allocate your initial Purchase Payment to the Index Options. If the Issue Date is not the Index Effective Date we hold your initial Purchase Payment in the Variable Option before we transfer it to your selected Index Options. If you do not give us all of the
                  information we need, we contact you or your Financial Professional. If for some reason we are unable to complete this process within five Business Days, we
                  either send back your Purchase Payment or get your permission to keep it until we get all of the necessary information. If you make additional Purchase
                  Payments, we add this money to your Contract on the Business Day we receive it in Good Order.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If you submit a Purchase Payment and/or application to your Financial Professional, we do not begin processing the payment and/or application until we receive it.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">We may terminate your ability to make additional Purchase Payments because we reserve the right to decline any or all Purchase Payments at any time on a nondiscriminatory basis</font><font style="color: #000000; font-family: Times New Roman;">. This
                  applies to Contracts issued in all states except as disclosed in Appendix F. If mandated under applicable law, we may be required to reject a Purchase
                  Payment. We will decline a Purchase Payment we receive on the same Business Day that we receive in Good Order a request for full withdrawal, or Contract cancellation during the free look period. </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">If we
                  exercise our right to decline additional Purchase Payments, this may limit your ability to fund your Contract&#8217;s guaranteed benefits such as
                  the&#160;Income Benefit, Traditional Death Benefit or Maximum Anniversary Value Death Benefit.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Applications Sent Electronically</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We accept manually signed applications that are in Good Order and are sent by fax, or email, or uploaded to our website. It is important to verify receipt of any faxed application, or to receive a confirmation number when using email or the web. We are not liable for applications that we do not receive. A manually signed application sent by fax, email or over the web is considered the same as an application delivered by mail. Our electronic systems (fax, email or website) may not always be available; any electronic system can experience outages or slowdowns which may delay application processing. Although we have taken precautions to help our system handle heavy use, we cannot promise complete reliability. If you experience
                  problems, please submit your written application by mail to our Service Center. We reserve the right to discontinue or modify our electronic application
                  policy at any time and for any reason.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Allocation of Purchase Payments and Contract Value Transfers</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The allocation instructions you provide on your application automatically become your default allocation instructions. We use these allocation instructions for all Purchase Payments we receive unless you change them. Any change to allocation instructions will replace any existing allocation instructions and will be used as the basis for transfers between and among the
                  Index Options.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">We only allow Purchase Payments to move into the Index Options on the Index Effective Date and on
                  subsequent Index Anniversaries.</font><font style="color: #000000; font-family: Times New Roman;"> As a result,
                  we hold Purchase Payments in the Variable Option when we receive them on days other than the Index Effective Date or Index Anniversaries. We then transfer
                  them to the Index Options on the next Index Anniversary according to your allocation instructions. We apply any Purchase Payments we receive on the Index
                  Effective Date or on an Index Anniversary directly to the Index Options on that day; these Purchase Payments are not held in the Variable Option.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">We only allow Index Option Value transfers between Index Options on Term End Dates. However, you can
                  transfer between Index Options before the Term End Date by executing a Performance Lock and an Early Reallocation. For multi-year Term Index Options you can also transfer between Index Options before the Term End Date by executing a </font></div>
            </div>
          </div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;40&#8201;</font></div>
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      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_24"></a>
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          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Performance Lock before the last year of the Term. We do not allow assets to move into
                an established Index Option until the Term End Date. If you request to transfer into an established Index Option on a date
                that is not a Term End Date, we will transfer those assets into the same Index Option with a new Term Start Date.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">You select the Index Effective Date when you purchase your Contract. It can be any Business Day up to and including the first Quarterly Contract Anniversary, but it cannot be the 29th, 30th or 31st of a month.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z8923d640aea243a99d2d577482cf0465" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:13.5pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:145.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">On your application if you select&#8230;</font></div>
                      </div>
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                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:348.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Your Index Effective Date will be either&#8230;</font></div>
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                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:145.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the earliest Index Effective Date</font></div>
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                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:348.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;your Issue Date, or</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;the first Business Day of the next month if the Issue Date is the 29th, 30th, or 31st of a </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">month</font></div>
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                  <tr style="height:49.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:145.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the deferred Index Effective Date</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:348.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;your first Quarterly Contract Anniversary, or</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;the next Business Day if the first Quarterly Contract Anniversary occurs on a non-Business </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Day, or the first Business Day of the next month if the
                            first Quarterly Contract Anniversary </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">is the 29th, 30th, or 31st of a month</font></div>
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            <div style="line-height:12.0pt;margin-top:9pt;text-align:left;">
              <div style="margin-top:9pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">You should be aware that, generally, initial Trigger Rates, Caps, and Participation Rates could change every seven calendar days. However, these rates are guaranteed to be available during the period stated on our website at </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">www.allianzlife.com/RILAincomerates</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;"> and cannot be superseded until that period ends. If you select an Index Effective Date that is
                  within the guaranteed period for the initial rates that are available for review on the date you signed your application, you will receive
                  the initial rates that were available on the date you signed your application. However, if you select an Index Effective Date that is after
                  this guaranteed period, you are subject to the risk that initial Trigger Rates, Caps, and Participation Rates may change and be less
                  advantageous to you. Furthermore, if your Index Effective Date is after the end of the free look period and you cancel your Contract, you
                  will receive the Cash Value. On or before the Index Effective Date, the Daily Adjustment does&#160;</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">not</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">&#160;apply.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">You may review future rates at least seven calendar days before their effectiveness at </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">www.allianzlife.com/RILAincomerates</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">. You (or your Financial Professional, if authorized) can change your Index Effective Date at any time before it occurs to be an earlier or later date by submitting a request. </font><font style="color: #000000; font-family: Times New Roman;">However, your new Index
                  Effective Date cannot be later than the deferred Index Effective Date listed above. We must receive your request in Good Order at our Service Center before
                  the end of the Business Day on which you want the Index Effective Date to occur. Once your Index Effective Date occurs, all Index Options for your Contract will have the same Index Anniversary.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">You can change your allocation instructions at any time without fee or penalty. These changes are effective on the Business Day we receive them in Good Order at our Service Center. We accept changes to allocation instructions from any Owner unless you instruct otherwise. We may allow you to authorize someone else to change these allocation instructions on your
                  behalf. However, we must receive allocation instruction changes (which will transfer your Index Option Values) in Good Order at our Service Center before the
                  end of the Business Day on the Term End Date (or the next Business Day if the Term End Date is a non-Business Day). </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Changes to your allocation instructions will transfer existing Index Option Values on the Term End Date</font><font style="color: #000000; font-family: Times New Roman;">.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We notify you at least 30 days in advance of each Index Anniversary as a reminder that on the upcoming anniversary you may transfer Index Option Value between Index Options. In order to make a transfer between Index Options, you must provide us with allocation instruction changes in Good Order. For more information, see the &#8220;Electronic Allocation Instructions&#8221;
                  discussion next in this section. On each Term End Date, if we have not received allocation instruction changes from you, all assets invested continue to be
                  invested in the same Index Options with new Term Start Dates at the renewal Trigger Rates, Caps, and Participation Rates.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We can add new Crediting Methods, Terms, and Indexes to your Contract in the future, and you can allocate Purchase Payments or transfer Contract Value to them on the Term Start Date after we make them available to you. Once we add a Crediting Method to your Contract we cannot remove it, or change how it calculates Performance Credits. If we add a new Index
                  Option to your Contract, we cannot change its Buffer or Floor after it is established. For a new Index Option, the minimum Buffer is 5% and the minimum Floor
                  is -25%. However, we can change the renewal and Early Reallocation Trigger Rates, Caps, and Participation Rates associated with any Index Option on each Term
                  Start Date subject to the guaranteed minimums.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;41&#8201;</font></div>
          </div>
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      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
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      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_25"></a>
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          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z2287fc8866244c30a66f819ac6d8764a" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:38pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.15pt;">In order to apply Purchase Payments we receive </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">after</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> the Index Effective Date to your selected Index Option(s) on </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">the next Index Anniversary, we must receive them </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">before</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> the end of the Business Day on the Index Anniversary (or </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">before the end of the </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">prior</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">
                            Business Day if the anniversary is a non-Business Day).</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                      </div>
                    </td>
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                  <tr style="height:36pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:1.9pt;">Purchase Payments we hold in the Variable Option before transferring them to your selected Index Options are </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">subject to Contract fees
                            and expenses (e.g.&#160;product fee, contract maintenance charge), and market risk and may </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">lose value.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:12pt;text-align:left;">
              <div style="margin-top:12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Electronic Allocation Instructions</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We use reasonable procedures to confirm that electronic allocation instructions given to us are genuine. If we do not use such procedures, we may be liable for any losses due to unauthorized or fraudulent instructions. We record telephone instructions and log all fax, email and website instructions. We reserve the right to deny any allocation instruction change, and
                  to discontinue or modify our electronic instruction privileges at any time for any reason.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Please note that telephone, fax, email and/or the website may not always be available. Any electronic system, whether it is ours, yours, your service provider&#8217;s, or your Financial Professional&#8217;s, can experience outages or slowdowns for a variety of reasons, which may delay or prevent our processing of your allocation instruction change. Although we have taken precautions to help our systems handle heavy use, we cannot promise complete reliability. If you are experiencing problems, you should
                  submit your instructions in writing to our Service Center.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">By authorizing electronic instructions, you authorize us to accept and act upon these instructions for your Contract. There are risks associated with electronic communications that do not occur with a written request. Anyone authorizing or making such requests bears those risks. You should protect your website password, because the website is available to anyone with your
                  password; we cannot verify that the person providing instructions on the website is you, or is authorized by you.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Free Look/Right To Examine Period</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If you change your mind about the Contract, you can cancel it within the free look period stated on the first page of your Contract. In most states, this is ten calendar days after you receive the Contract. If you cancel your Contract during the free look period, in most states we return your Contract Value as of the Business Day we receive your cancellation request in Good Order. This may be more or less than your initial Purchase Payment. In states that require us to return Purchase Payments less withdrawals if you cancel your Contract, we return Contract Value if greater.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">IRA Contracts require us to return Purchase Payments less withdrawals. If you cancel your IRA Contract, we return the greater of Purchase Payments less withdrawals or Contract Value.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If your cancellation request occurs after the Index Effective Date, your Contract Value will include the Daily Adjustment, which may be negative.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Some states and certain IRA Contracts require return of Purchase Payments. For these Contracts, we reserve the right to hold your initial Purchase Payment in the Variable Option until the free look period ends, and then re-allocate your Contract Value, less fees and expenses, according to your allocation instructions. If we exercise this right, the Contract Value we
                  use to determine your refund amount on a cancellation request will not include the Daily Adjustment as the Index Effective Date will not yet have occurred.
                  Currently we only exercise this right on certain Contracts issued in California as noted in Appendix F. If we hold your initial Purchase Payment in the
                  Variable Option during the free look period and the requested Index Effective Date would occur during this time, we change your Index Effective Date to the next Business Day after the free look period that is not the 29th, 30th or 31st of the month. Then, if you:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">cancel your Contract during this time, we return the greater of Purchase
                    Payments less withdrawals, or Contract Value. We do not assess a withdrawal charge or deduct any other Contract fees or expenses if you cancel your Contract
                    during the free look period. If you take a withdrawal (including financial adviser fees that you choose to have us pay from this Contract) that is subject to a withdrawal charge and then cancel your Contract during the free look period, we will refund any previously deducted withdrawal charge upon cancellation.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">do not cancel your Contract during this time, we re-allocate your Contract
                    Value to the Index Options according to your allocation instructions on the Index Effective Date.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:10.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">In the Contract, the free look provision is also called the right to examine.</font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;42&#8201;</font></div>
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            <div style="line-height:13.0pt;margin-top:12pt;text-align:left;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 0pt; top: -2pt; width: 494pt;"><font style="color: #000000; font-size: 11pt; text-transform: lowercase;">4.</font><font style="color: #000000; font-size: 11pt; line-height: 13pt; text-transform: uppercase;">&#8194;</font><font style="color: #000000; font-size: 11pt; text-transform: uppercase;">Valuing Your Contract</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Your Contract Value is the total of the Variable Account Value and all Index Option Values.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
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              <div style="margin-top:6pt;"> </div>
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              <table cellspacing="0" cellpadding="0" id="z319e8be5f39e4caabbaad5fb97685b53" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:13.5pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:247pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Variable Account Value increases when&#8230;.</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:247pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Variable Account Value decreases when&#8230;.</font></div>
                      </div>
                    </td>
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                  <tr style="height:99pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:247pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;we hold assets in the Variable Option on an interim basis </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">before transferring them to your selected Index Option(s),
                            or </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">due to a Contract Value increase associated with the death
                            of </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">a Determining Life, or</font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;there is positive Fund performance</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:247pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;you take assets out of the Variable Option by withdrawal </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">(including financial adviser fees that you choose to have
                            us </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">pay from this Contract),</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;we transfer assets held in the Variable Option on an interim </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">basis to your selected Index Option(s) according to
                            allocation </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">instructions,</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;there is negative Fund performance, or</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;we deduct Contract fees and expenses</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:37.5pt;">
                    <td colspan="2" style="background-color:#D8D8D8;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.00pt;">Contract fees and
                            expenses we deduct from the Variable Option include the product fee, rider fee, contract maintenance </font></div>
                        <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">charge, and withdrawal charge as described
                            in section 6, Expenses.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;"> </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">Financial
                            adviser fees that you choose to have us pay </font></div>
                        <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">from this Contract are described in section
                            1, The Contract.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
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            <div style="line-height:12.0pt;margin-top:9pt;text-align:left;">
              <div style="margin-top:9pt;"><font style="color: #000000; font-family: Times New Roman;">The Variable Option&#160;does not provide any protection against loss of principal. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">You can lose principal and previous earnings for Purchase
                  Payments held in the Variable Option. These losses can be significant</font><font style="color: #000000; font-family: Times New Roman;">.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
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              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z772f3a4707e044d4a1bc1d0020365411" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

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                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:247pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Index Option Values increase when&#8230;.</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:247pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Index Option Values decrease when&#8230;.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:99pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:247pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;you add assets to an Index Option by Purchase Payment, </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">make allocation instruction changes that transfer Contract
                          </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Value, or request an Early Reallocation into the Index
                            Option,</font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;we transfer assets held in the Variable Option on an interim </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">basis to your selected Index Option according to allocation
                          </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">instructions, or</font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;you receive a positive Performance Credit or Daily Adjustment</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:247pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;you take assets out of an Index Option by </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawal&#160;(including any financial adviser fees that you </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">choose to have us pay from this Contract), make allocation
                          </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">instruction changes that transfer Contract Value, or
                            request an </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Early Reallocation out of the Index Option,</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;you receive a negative Performance Credit or Daily </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Adjustment, or</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;we deduct Contract fees and expenses</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:37.5pt;">
                    <td colspan="2" style="background-color:#D8D8D8;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.00pt;">Contract fees and
                            expenses we deduct from the Index Options include the product fee, rider fee, contract maintenance </font></div>
                        <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">charge, and withdrawal charge as described
                            in section 6, Expenses. Financial adviser fees that you choose to have us pay </font></div>
                        <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;">from this Contract are described in section
                            1, The Contract.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:9pt;text-align:left;">
              <div style="margin-top:9pt;"><font style="color: #000000; font-family: Times New Roman;">We apply transfers of Contract Value and Purchase Payments to the Index Options on the Index Effective Date and Index Anniversaries. We apply Performance Credits to the Index Options on the Term End Dates. Contract expenses are deducted at different times during the Index Year as stated in section 6, Expenses. We pay financial adviser fees to your Financial
                  Professional or the Financial Professional's firm upon written request as stated in section 1, The Contract. The Daily Adjustment applies on any Business Day
                  other than the Term Start Date or the Term End Date.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Performance Credits are subject to the applicable Buffer, Floor, Trigger Rate, Cap, and/or Participation Rate</font><font style="color: #000000; font-family: Times New Roman;">. Positive Performance Credits are not guaranteed. Performance Credits can be negative after
                  application of the 10%, 20%, or 30% Buffer&#160;for any Index Option with the Index Dual&#160;Precision Strategy,&#160;Index Precision Strategy, or Index Performance Strategy; or negative down to the -10% Floor for any Index Option with the Index Guard Strategy. </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">A negative Performance Credit means that you can lose principal and previous earnings. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">These losses can be significant.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We require that the Contract Value after a partial withdrawal must be at least $2,000.* </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">We reserve the right to treat a partial withdrawal that reduces the Contract Value below this
                  minimum as a full withdrawal.</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:1.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:10pt;text-align:left;width:4pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">*</font></div>
                <div style="float:left;line-height:10pt;margin-left:14pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Does not apply to&#160;Income Payments or RMD payments under our minimum
                    distribution program.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Determining Variable Account Value</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Separate Account holds Purchase Payments held in the Variable Option&#160;before we transfer them to the Index Options.&#160;The Variable Option is a subaccount of the Separate Account, and is the only variable investment option under the Contract. The Variable Option invests exclusively in the shares of the AZL Government Money Market Fund.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We convert amounts allocated to the Variable Option into subaccount accumulation units. The daily value of a unit in the Variable Option (accumulation unit value) is based, in part, on the daily net asset value of the Fund. The Fund's net asset </font></div>
            </div>
          </div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;43&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_27"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">value reflects the performance of the Fund's portfolio and the deduction of the Fund's operating expenses. The accumulation unit value also reflects the deduction of certain charges under the Contract, as described below.&#160;The accumulation unit value for the Variable Option is typically determined at the end of each Business Day. Purchase Payments received by us
                before the end of a Business Day will be priced based on the accumulation unit value calculated at the end of that Business Day. </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Any such Purchase Payments received by us at or after the end of a Business Day will be priced based on the accumulation unit value calculated at the end of the next Business Day.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We calculate your Variable Account Value at the end of each Business Day by multiplying the number of accumulation units attributable to your Contract by the accumulation unit value for that Business Day.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">On the Issue Date, the number of accumulation units attributable to your Contract is equal to the amount allocated to the Variable Option divided by its accumulation unit value. At the end of each Business Day, the number of subaccount accumulation units:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">increases</font><font style="color: #000000; font-family: Times New Roman;"> when:</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">we hold assets in the Variable Option on an interim basis&#160;before
                    transferring them to your selected Index Option(s), or due to a Contract Value increase associated with the death of a Determining Life; and</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">decreases</font><font style="color: #000000; font-family: Times New Roman;"> when:</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">you remove assets from the Variable Option by taking a withdrawal (including
                    financial adviser fees that you choose to have us pay from this Contract), or</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">we transfer assets held in the Variable Option on an interim basis&#160;to your
                    selected&#160;Index Option(s) according to allocation instructions, or we deduct Contract fees and expenses.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We arbitrarily set the initial accumulation unit value for the Variable Option. At the end of each Business Day, we determine the new accumulation unit value for the Variable Option by multiplying the prior Business Day&#8217;s accumulation unit value by the Fund&#8217;s percentage change in price (which is the change in net asset value) since the prior Business Day. The
                  percentage change in price includes the Fund&#8217;s market performance.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-decoration: underline;">Example</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">We receive at our Service Center an additional Purchase Payment of $3,000
                    from you before the end of the Business Day.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">When the New York Stock Exchange closes on that Business Day, we determine
                    that the accumulation unit value is $13.25 for the Variable Option.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">We then divide $3,000 by $13.25 and credit your Contract that night with
                    226.415094 subaccount accumulation units for the Variable Option.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">How the Crediting Methods Work</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Protection Strategy with Trigger</font><font style="color: #000000; font-family: Times New Roman;"> provides a Performance Credit equal to the Trigger Rate if the Index Value on the Term End
                  Date is equal to or greater than the Index Value on the Term Start Date, regardless of the amount of actual Index Return. If the current Index Value is less
                  than it was on the Term Start Date, the Performance Credit is zero.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Protection Strategy with Cap</font><font style="color: #000000; font-family: Times New Roman;"> provides a Performance Credit.</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">If the Index Return is positive, the Performance Credit is equal to the Index
                    Return up to the Cap.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">If the Index Value on the Term End Date is equal to or less than the Index
                    Value on the Term Start Date, the Performance Credit is zero.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Dual Precision Strategy</font><font style="color: #000000; font-family: Times New Roman;"> provides a Performance Credit.</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">You receive a Performance Credit equal to the Trigger Rate if the Index Value
                    on the Term End Date is:</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">equal to or greater than the Index Value on the Term Start Date, regardless
                    of the amount of actual Index Return.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">less than the Index Value on the Term Start Date and the loss is less than
                    or equal to the 10%, 20%, or 30% Buffer.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">If the Index Return is negative and the loss is greater than the 10%, 20%, or
                    30% Buffer, the negative Performance Credit is equal to the negative Index Return in excess of the 10%, 20%, or 30% Buffer. You participate in any losses beyond the 10%, 20%, or 30% Buffer.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">There are restrictions on the availability of the Buffers, based on Issue
                    Date, as discussed in &#8220;Overview of the Contract &#8211;&#160;What Are the Phases of the Contract?&#8221;.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;44&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_28"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">The </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Precision
                Strategy</font><font style="color: #000000; font-family: Times New Roman;"> provides a Performance Credit.</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">If the Index Value on the Term End Date is equal to or greater than the Index
                    Value on the Term Start Date, regardless of the amount of actual Index Return, the Performance Credit is equal to the Trigger Rate.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">If the Index Return is negative and the loss is:</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">less than or equal to the 10% Buffer, the Performance Credit is zero. We
                    absorb any loss up to the 10% Buffer.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">greater than the 10% Buffer, the negative Performance Credit is equal to the
                    negative Index Return in excess of the 10% Buffer. You participate in any losses beyond the 10% Buffer.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Guard Strategy</font><font style="color: #000000; font-family: Times New Roman;"> provides a Performance Credit.</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">If the Index Return is positive, the Performance Credit is equal to the Index
                    Return up to the Cap.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">If the Index Value on the Term End Date is equal to the Index Value on the
                    Term Start Date, the Performance Credit is zero.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">If the Index Return is negative, the negative Performance Credit is equal to
                    the negative Index Return down to the -10% Floor. You participate in any losses down to the -10% Floor. We absorb any negative Index Return beyond the -10%
                  Floor.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Index Performance Strategy</font><font style="color: #000000; font-family: Times New Roman;"> provides a Performance Credit.</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman;">If the Index Return is positive, the Performance Credit is equal to:</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">the Index Return up to the Cap for a 1-year Term. If the 1-year Term is
                    uncapped, the Performance Credit is equal to the Index Return.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">the Index Return multiplied by the Participation Rate, up to the Cap for a
                    3-year or&#160;6-year Term. If the 3-year or&#160;6-year Term is uncapped, the Performance Credit is equal to the Index Return&#160;multiplied by the Participation Rate. We apply the Participation Rate and Cap for the entire Term length; we do </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">not</font><font style="color: #000000; font-family: Times New Roman;"> apply the Participation Rate and Cap annually on a 3-year or&#160;6-year Term.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">If the Index Value on the Term End Date is equal to the Index Value on the
                    Term Start Date, the Performance Credit is zero.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">If the Index Return is negative and the loss is:</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">less than or equal to the 10%, 20%, or 30% Buffer, the Performance Credit is
                    zero. We absorb any loss up to the 10%, 20%, or 30% Buffer. We apply the Buffer for the entire Term length; we do </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">not</font><font style="color: #000000; font-family: Times New Roman;"> apply the Buffer annually on a 3-year or&#160;6-year Term Index Option.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">greater than the 10%, 20%, or 30% Buffer, the negative Performance Credit is
                    equal to the negative Index Return in excess of the 10%, 20%, or 30% Buffer. You participate in any losses beyond the 10%, 20%, or 30% Buffer.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">There are restrictions on the availability of the Buffers, based on Issue
                    Date, as discussed in &#8220;Overview of the Contract &#8211;&#160;What Are the Phases of the Contract?&#8221;.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="zdb5359f58a3040458d30599b0d8b4f2a" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:50pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.15pt;">The Index Dual&#160;Precision Strategy,&#160;Index Precision Strategy, Index Guard Strategy, and Index Performance </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">Strategy allow negative Performance Credits.
                          </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">A negative Performance Credit means you can lose principal and </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">previous earnings. The
                            maximum potential negative Performance Credit is: -90% with a 10% Buffer; -80% with a </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">20% Buffer; -70% with a
                            30% Buffer; and -10% with the Floor.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:36pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">Because we calculate Index Returns only on a single date in time, you may experience negative or flat </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">performance even though the Index you
                            selected for a given Crediting Method experienced gains through </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">some, or most, of the Term.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:36pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">If </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">an Index Performance Strategy Index Option is &#8220;uncapped&#8221; for one Term (i.e., we do not declare a Cap for </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">that Term) it does not mean that we will not
                            declare a Cap for it on future Term Start Dates.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> On the next Term </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Start Date we can declare a Cap for the next Term, or declare
                            it to be uncapped.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:12pt;text-align:left;">
              <div style="margin-top:12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Comparing Crediting Methods</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Crediting Methods have different risk and return potentials.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z1099a9ffd3294b67969045226f1b573e" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:15pt;">
                    <td colspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:494.0pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">What is the asset protection?</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:37pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Protection </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy with Trigger</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Most protection.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If the Index loses value, the Performance Credit is zero. You do not receive a negative Performance </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Credit.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;45&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
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          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z56dd9ca26cbc4e909d7181b90a1d0d7f" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:15pt;">
                    <td colspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:494.0pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">What is the asset protection?</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:38pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Protection </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy with Cap</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Most protection.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If the Index loses value, the Performance Credit is zero. You do not receive a negative Performance </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Credit.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:134pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Dual Precision </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Less protection than the Index Protection Strategy with Trigger, Index Protection Strategy with Cap, </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">and Index Guard Strategy. Protection is equal to or greater
                            than what is available with the Index </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Precision Strategy depending on the Index Option. Offers
                            the same protection levels as the Index </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Performance Strategy.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Buffer absorbs 10%, 20%, or 30% of loss, but you receive a negative Performance Credit for losses </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">greater than the Buffer.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Potential for large losses in any Term.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;More sensitive to large negative market movements because small or moderate negative market </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">movements within the applicable 10%, 20%, or 30% Buffer
                            result in a positive Performance Credit. In </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">a period of extreme negative market performance, the risk
                            of loss is greater with the Index Dual </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Precision Strategy than with the Index Guard Strategy.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:110pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Precision Strategy</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Less protection than the Index Protection Strategy with Trigger, Index Protection Strategy with Cap, </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">and Index Guard Strategy. Protection may be equal to or
                            less than what is available with the Index </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Dual Precision Strategy and Index Performance Strategy
                            depending on the Index Option.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Buffer absorbs 10% of loss, but you receive a negative Performance Credit for losses greater than </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">10%.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Potential for large losses in any Term.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;More sensitive to large negative market movements because small negative market movements are </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">absorbed by the 10% Buffer. In a period of extreme negative
                            market performance, the risk of loss is </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">greater with the Index Precision Strategy than with the
                            Index Guard Strategy.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:134pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Guard Strategy</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Less protection than the Index Protection Strategy with Trigger and Index Protection Strategy with </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Cap, but more than Index Dual Precision Strategy, Index
                            Precision Strategy, and Index Performance </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Strategy.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Permits a negative Performance Credit down to the -10% Floor.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Protection from significant losses.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;More sensitive to smaller negative market movements that persist over time because the -10% Floor </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">reduces the impact of large negative market movements.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;In an extended period of smaller negative market returns, the risk of loss is greater with the Index </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Guard Strategy than with the Index Dual Precision Strategy,
                            Index Precision Strategy, and Index </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Performance Strategy.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Provides certainty regarding the maximum loss in any Term.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:157pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Performance </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Less protection than the Index Protection Strategy with Trigger, Index Protection Strategy with Cap, </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">and Index Guard Strategy. Index Options with a 10% Buffer
                            provide the same protection as the Index </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Precision Strategy. The 20% and 30% Buffers provide more
                            protection than what is available with the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Precision Strategy. Offers the same protection levels
                            as the Index Dual Precision Strategy.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Buffer absorbs 10%, 20%, or 30% of loss depending on the Index Option you select, but you receive </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">a negative Performance Credit for losses greater than the
                            Buffer.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Potential for large losses in any Term.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;More sensitive to large negative market movements because small or moderate negative market </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">movements are absorbed by the Buffer. In a period of
                            extreme negative market performance, the risk </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">of loss is greater with the Index Performance Strategy than
                            with the Index Guard Strategy.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;In extended periods of moderate to large negative market performance, 3-year and 6-year Terms may </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">provide less protection than the 1-year Terms because, in
                            part, the Buffer is applied over a longer </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">period of time.</font></div>
                      </div>
                    </td>
                  </tr>

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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;46&#8201;</font></div>
          </div>
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      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
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        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:0.0pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;margin-left:7.34pt;">&#8195;</font></div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z4554622cf1c044d39bc9146c1b84cec5" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:15pt;">
                    <td colspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:494.0pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">What is the growth opportunity?</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:86pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Protection </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy with Trigger</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Growth opportunity limited by the Trigger Rates.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;May perform best in periods of small positive market movements relative to the other Crediting </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Methods, because such small positive market movements may
                            result in positive Performance Credits </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">that are greater than the Index Return while also providing
                            complete protection from any Index losses.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;These Trigger Rates will generally be less than Caps, and Index Precision Strategy's Trigger Rates. </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Growth opportunity may be more or less than the Index Dual
                            Precision Strategy depending on Trigger </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Rates.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:134pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Protection </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy with Cap</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Growth opportunity limited by the Caps.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;May perform best in periods of small positive market movements relative to the other Crediting </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Methods, because such small positive market movements would
                            result in positive Performance </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Credits while also providing complete protection from any
                            Index losses.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Generally more growth opportunity than the Index Protection Strategy with Trigger, but less than the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Precision Strategy, Index Guard Strategy, and Index
                            Performance Strategy. Growth opportunity </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">may be more or less than the Index Dual Precision Strategy
                            depending on Caps and Trigger Rates.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Caps will generally be greater than the Trigger Rates for Index Protection Strategy with Trigger, but </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">less than Index Precision Strategy's Trigger Rates, and
                            less than the Caps for the Index Guard </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Strategy and Index Performance Strategy. These Caps may be
                            greater or less than Index Dual </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Precision Strategy's Trigger Rates.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:74pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Dual Precision </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Growth opportunity limited by the Trigger Rates.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;May perform best in periods of small or moderate negative market movements as it provides a </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">positive Performance Credit in these environments while
                            other Crediting Methods do not.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Generally less growth opportunity than the Index Precision Strategy and Index Performance Strategy.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Growth opportunity may be more or less than the Index Protection Strategy with Trigger, Index </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Protection Strategy with Cap, and Index Guard Strategy
                            depending on Trigger Rates and Caps.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:86pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Precision Strategy</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Growth opportunity limited by the Trigger Rates.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;May perform best in periods of small positive market movements.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Generally more growth opportunity than the Index Protection Strategy with Trigger, Index Protection </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Strategy with Cap, and Index Dual Precision Strategy.
                            However, less growth opportunity than the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Dual Precision Strategy during periods of small or
                            moderate negative market movements.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Growth opportunity may be more or less than the Index Guard Strategy or Index Performance </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Strategy depending on Trigger Rates and Caps.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:62pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Guard Strategy</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Growth opportunity limited by the Caps.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;May perform best in a strong market.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Growth opportunity that generally may be matched or exceeded only by the Index Performance </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Strategy. However, growth opportunity may be more or less
                            than the Index Dual Precision Strategy, </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Precision Strategy, or Index Performance Strategy
                            depending on Trigger Rates and Caps.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:133pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Performance </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Growth opportunity limited by the Caps and/or Participation Rates. </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">If we do not declare a Cap for an </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">Index Option, there is
                            no maximum limit on the positive Index Return for that Index Option. In </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">addition, you can
                            receive more than the positive Index Return if the Participation Rate applies </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">and is greater than its
                            100% minimum.&#160;However, the Participation Rate cannot boost Index </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">Returns beyond a
                            declared Cap.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;May perform best in a strong market.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;1-year Term with 10% Buffer Index Options, 3-year Term with 10% or 20% Buffer Index Options, and </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">6-year Term with 10% or 20% Buffer Index Options have the
                            most growth opportunity.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Growth opportunity for the 1-year Term with 20% or 30% Buffer may be less than the Index Dual </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Precision Strategy, Index Precision Strategy, and Index
                            Guard Strategy depending on Trigger Rates </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">and Caps.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
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            <div style="line-height:0.0pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;margin-left:7.34pt;">&#8195;</font></div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z6cd3227c059e40bba50a1905bb7b3cd1" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:15pt;">
                    <td colspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:494.0pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">What can change within a Crediting Method?</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:37pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Protection </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy with Trigger</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Renewal and Early Reallocation Trigger Rates for existing Contracts can change on each Term Start </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Date.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8211;&#8194;1-year Term has a 0.50% minimum Trigger Rate.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
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          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;47&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
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      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_31"></a>
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          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="zd5fcc8b01c054f77b63dc0ec210292c0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:15pt;">
                    <td colspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:494.0pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">What can change within a Crediting Method?</font></div>
                      </div>
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                  <tr style="height:26pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Protection </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy with Cap</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Renewal and Early Reallocation Caps for existing Contracts can change on each Term Start Date.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8211;&#8194;1-year Term has a 0.50% minimum Cap.</font></div>
                      </div>
                    </td>
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                  <tr style="height:74pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Dual Precision </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Renewal and Early Reallocation Trigger Rates for existing Contracts can change on each Term Start </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Date.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8211;&#8194;1-year Term with a 10%, 20%, or 30% Buffer has a 3% minimum Trigger Rate.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;The 10%, 20%, or 30% Buffers for the currently available Index Options cannot change. However, if </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">we add a new Index Option to your Contract after the Issue
                            Date, we establish the Buffer for it on the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">date we add the Index Option to your Contract. The minimum
                            Buffer is 5% for a new Index Option.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:74pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Precision Strategy</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Renewal and Early Reallocation Trigger Rates for existing Contracts can change on each Term Start </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Date.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8211;&#8194;1-year Term has a 3% minimum Trigger Rate.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;The 10% Buffers for the currently available Index Options cannot change. However, if we add a new </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Option to your Contract after the Issue Date, we
                            establish the Buffer for it on the date we add </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the Index Option to your Contract. The minimum Buffer is 5%
                            for a new Index Option.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:62pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Guard Strategy</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Renewal and Early Reallocation Caps for existing Contracts can change on each Term Start Date.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8211;&#8194;1-year Term has a 3% minimum Cap.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;The -10% Floors for the currently available Index Options cannot change. However, if we add a new </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Option to your Contract after the Issue Date, we
                            establish the Floor for it on the date we add the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Option to your Contract. The minimum Floor is -25%
                            for a new Index Option.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:109pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Performance </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:387.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Renewal and Early Reallocation Caps and/or Participation Rates for existing Contracts can change on </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">each Term Start Date.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8211;&#8194;1-year Term with 10%, 20%, or 30% Buffer has a 3% minimum Cap.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8211;&#8194;3-year Term with 10% or 20% Buffer has a 5% minimum Cap, and 100% minimum Participation Rate.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8211;&#8194;6-year Term with 10% or 20% Buffer has a 10% minimum Cap, and 100% minimum Participation </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.12pt;">Rate.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;The 10%, 20%, and 30% Buffers for the currently available Index Options cannot change. However, if </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">we add a new Index Option to your Contract after the Issue
                            Date, we establish the Buffer for it on the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">date we add the Index Option to your Contract. The minimum
                            Buffer is 5% for a new Index Option.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
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            <div style="line-height:0.0pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;margin-left:7.34pt;">&#8195;</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;48&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
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      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_32"></a>
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          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z3ca555418433436ebb82f057798c7e2c" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:74pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">For any Index Option with the</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Dual Precision Strategy, Index Precision Strategy, or Index Performance </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:7.78pt;">Strategy,</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">you participate in any negative Index Return in excess of the Buffer</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">, which reduces your Contract Value. </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">For example, for a 10% Buffer we absorb the first -10% of
                            Index Return and you could lose up to 90% of the Index </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">Option Value. However, for any Index Option with the </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Guard Strategy</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">, </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">we absorb any negative Index Return </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.78pt;">in excess of the -10%
                            Floor, so your maximum loss is limited to -10% of the Index Option Value due to negative </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.78pt;">Index Returns.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                      </div>
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                  </tr>
                  <tr style="height:36pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Trigger Rates, Caps, and Participation Rates as set by us from time-to-time may vary substantially based on market </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">conditions. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">However, in extreme market environments, it is possible that all Trigger Rates, Caps, and Participation </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.78pt;">Rates will be reduced to
                            their respective minimums of 0.50%, 3%, 5%, 10%, or 100% as stated in the table&#160;above.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:24pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If your Contract is within its free look period you may be able to take advantage of any increase in initial Trigger </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">Rates, Caps, and/or Participation Rates by cancelling your
                            Contract and purchasing a new Contract.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:24pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If the initial Trigger Rates, Caps, and/or Participation Rates available on the Index Effective Date are not acceptable </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">you have the following options.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:36pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8211;&#8194;Cancel your Contract if you are still within the free look period. If you took a withdrawal that was subject to a </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10pt;">withdrawal charge (including financial adviser fees that you
                            choose to have us pay from this Contract) we will refund </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10pt;">any previously deducted withdrawal charge upon a free look
                            cancellation.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8211;&#8194;Request to extend your Index Effective Date if you have not reached your first Quarterly Contract Anniversary.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:48pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8211;&#8194;If the free look period has expired, request a full withdrawal&#160;and receive the Cash
                            Value.&#160;This withdrawal is subject to </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10pt;">withdrawal charges, income taxes, and may also be subject to
                            a 10% additional federal tax for amounts withdrawn </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10pt;">before age 59</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;margin-left:0.0pt;">2</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. If this occurs </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">on or before</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> the Index
                            Effective Date, the Daily Adjustment&#160;does&#160;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">not</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#160;apply. If this </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:10pt;">occurs </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">after</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> the Index Effective Date, you&#160;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">are</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">
                            subject to the Daily Adjustment.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:84pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Trigger Rates, Caps, and Participation Rates can be different from Index Option to Index Option. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">For example, </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">Caps for the Index Performance Strategy 1-year Terms can be
                            different between the S&amp;P 500</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Index and the </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">Nasdaq-100</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Index; and
                            Caps for the S&amp;P 500</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Index can be different between 1-year, 3-year, and 6-year Terms on </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">the Index Performance Strategy, and between the 1-year
                            Terms for the Index Guard Strategy and Index Performance </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">Strategy. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Initial, renewal, and Early Reallocation rates may also be different from Contract-to-Contract.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> For </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">example, assume that on August 3, 2023 we set Caps for the
                            Index Performance Strategy 1-year Term with 10% Buffer </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:7.78pt;">using the S&amp;P 500</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">&#174;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Index as
                            follows:</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8211;&#8194;13% initial rate&#160;and 12% Early Reallocation rate for new Contracts issued in 2023,</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8211;&#8194;14% renewal rate&#160;and 14% Early Reallocation rate for existing Contracts issued in 2022, and</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8211;&#8194;12% renewal rate&#160;and 13% Early Reallocation rate for existing Contracts issued in 2021.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:12pt;text-align:left;">
              <div style="margin-top:12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Bar Chart Examples of Crediting Method Performance</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The following hypothetical examples show conceptually how the Crediting Methods might work on the Term End Date in different market environments and assume no change in the hypothetical Trigger Rates, Caps, and/or Participation Rates. All values below are for illustrative purposes only. The examples do not reflect any Trigger Rates, Caps, and/or Participation
                  Rates that may actually apply to a Contract. The examples do not predict or project the actual performance of the Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Times New Roman;font-size:4.5pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;">. Although an Index or Indexes will affect your Index Option
                  Values, the Index Options do not directly participate in any stock or equity investment and are not a direct investment in an Index. The Index Values do not include the dividends paid on the stocks comprising an Index. An allocation to an Index Option is not a purchase of shares of any stock or index fund. These examples do not reflect any withdrawals taken before the Term End Date&#160;(including any
                  financial adviser fees that you choose to have us pay from this Contract), or deductions we make for Contract fees and expenses.</font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;49&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
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        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;z-index:-1;min-height:670pt;">
            <div> <img style="height:386pt;width:504pt;" alt=" " src="prottrigcap1yrincome.jpg"><font style="color: #000000; float: left; font-family: Times New Roman; line-height: 1pt;">&#8201;</font><font style="color: #000000; font-family: Times New Roman; line-height: 1pt;">&#8194;</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;50&#8201;</font></div>
          </div>
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      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
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        <div style="page-break-after:always;position:relative;">
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          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;z-index:-1;min-height:670pt;">
            <div> <img style="height:290pt;width:504pt;" alt=" " src="dualprec1yr.jpg"><font style="color: #000000; float: left; font-family: Times New Roman; line-height: 1pt;">&#8201;</font><font style="color: #000000; font-family: Times New Roman; line-height: 1pt;">&#8194;</font></div>
            <div> <img style="height:319pt;width:504pt;" alt=" " src="vers2prec1yr.jpg"><font style="color: #000000; float: left; font-family: Times New Roman; line-height: 1pt;">&#8201;</font><font style="color: #000000; font-family: Times New Roman; line-height: 1pt;">&#8194;</font></div>
          </div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;51&#8201;</font></div>
          </div>
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      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
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          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;z-index:-1;min-height:670pt;">
            <div> <img style="height:319pt;width:492pt;" alt=" " src="guard1yr.jpg"><font style="color: #000000; float: left; font-family: Times New Roman; line-height: 1pt;">&#8201;</font><font style="color: #000000; font-family: Times New Roman; line-height: 10pt;">&#8194;</font></div>
            <div> <img style="height:319pt;width:504pt;" alt=" " src="vers1perf1yr.jpg"><font style="color: #000000; float: left; font-family: Times New Roman; line-height: 1pt;">&#8201;</font><font style="color: #000000; font-family: Times New Roman; line-height: 1pt;">&#8194;</font></div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;52&#8201;</font></div>
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      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
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            <div> <img style="height:452pt;width:492pt;" alt=" " src="vers2perf3n6yr.jpg"><font style="color: #000000; float: left; font-family: Times New Roman; line-height: 1pt;">&#8201;</font><font style="color: #000000; font-family: Times New Roman; line-height: 10pt;">&#8194;</font></div>
            <div style="line-height:12.0pt;margin-top:5.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Determining Index Option Values</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We calculate an Index Option Value for each Index Option at the end of each Business Day. Generally, the Index Option Value is equal to the Index Option Base plus any applicable Daily Adjustment. The Daily Adjustment applies on Business Days other than the Term Start Date or the Term End Date. The Daily Adjustment can be positive or negative and is discussed later
                  in this section.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">On the first Term Start Date, both the Index Option Value and the Index Option Base for each of your selected Index Options are initially equal to the amount of:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">any Purchase Payment received that day which you allocated to that Index
                    Option, and</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">any Contract Value transferred into that Index Option.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">At the end of each subsequent Business Day for each selected Index Option, we first either apply:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the Daily Adjustment if this is not the Term End Date, or</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">a Performance Credit if this is the Term End Date.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;53&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_37"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">We calculate Performance Credits as described under &#8220;Calculating Performance Credits&#8221; in this section and apply them as follows:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman;">We multiply each Index Option Base by its Performance Credit and add this
                    amount to its Index Option Base.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman;">Then we set each Index Option Value equal to its new Index Option Base.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Lastly, we increase and/or decrease each Index Option Base and Index Option Value for additional Purchase Payments, transfers, partial withdrawals you take&#160;(including&#160;financial adviser fees that you choose to have us pay from this Contract and any withdrawal charge), and deductions we make for Contract fees and expenses.</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Additional Purchase Payments received on the Term End Date and allocated to
                    this Index Option, and transfers of Variable Account Value or Index Option Value into this Index Option, increase these values by the dollar amount allocated or transferred.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Transfers out of this Index Option reduce these values by the dollar amount
                    removed from the Index Option.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Partial withdrawals you take&#160;(including&#160;financial adviser fees that you
                    choose to have us pay from this Contract and any withdrawal charge), and deductions we make for Contract fees and expenses reduce these values by the dollar
                    amount withdrawn from the Index Option.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">We deduct partial withdrawals you take&#160;(including&#160;financial adviser fees
                    that you choose to have us pay from this Contract and any withdrawal charge), and deductions we make for Contract fees and expenses from the Index Options proportionately based on the percentage of Contract Value in each Index Option using values determined at the end of the Business Day before we process the withdrawal or deduct the Contract expense.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">We then reduce each Index Option Base by the same percentage that the amount
                    withdrawn reduced its associated Index Option Value.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-decoration: underline;">Example</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Your Contract Value is $100,000 and you selected two Index Options. The first
                    Index Option has an Index Option Value of $75,000 and an Index Option Base of $72,000. The second Index Option has an Index Option Value of $25,000 and an Index Option Base of $22,000. You take a $10,000 partial withdrawal (including any withdrawal charge).</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">This partial withdrawal reduces your Index Option Value by the percentage of
                    Contract Value in each Index Option (Index Option Value &#247; Contract Value).</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">For the first Index Option this percentage is 75% ($75,000 &#247; $100,000) and
                    the $10,000 partial withdrawal reduces this value by $7,500 ($10,000 x 75%). For the second Index Option this percentage is 25% ($25,000 &#247; $100,000) and the $10,000 partial withdrawal reduces this value by $2,500 ($10,000 x 25%).</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">We then reduce each Index Option Base by the same percentage that the amount
                    withdrawn reduced its associated Index Option Value (amount withdrawn from Index Option Value &#247; Index Option Value).</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">For the first Index Option this percentage is 10% ($7,500 &#247; $75,000) and the
                    $10,000 partial withdrawal reduces this value by $7,200 ($72,000 x 10%). For the second Index Option this percentage is also 10% ($2,500 &#247; $25,000) and the $10,000 partial withdrawal reduces this value by $2,200 ($22,000 x 10%).</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Deductions we make for Contract fees and expenses also reduce these values
                    proportionately in the same way as a partial withdrawal.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:0.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="zd8f0f6a9e14f4b4f9c7903817ea51925" style="empty-cells:show;width:494pt;">

                  <tr style="height:15pt;">
                    <td style="padding-bottom:4pt;padding-top:4pt;vertical-align:Bottom;width:176.8pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td colspan="2" style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:158.10pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:3pt;margin-right:3pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">First Index Option</font></div>
                        </div>
                      </div>
                    </td>
                    <td colspan="2" style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:159.10pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:3pt;margin-right:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Second Index Option</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:15pt;">
                    <td style="padding-bottom:4pt;padding-top:1.5pt;vertical-align:Bottom;width:176.8pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:80.18pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:3pt;margin-right:3pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Option Value</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:77.92pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:3pt;margin-right:3pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Option Base</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:80.18pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:3pt;margin-right:3pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Option Value</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:78.92pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:3pt;margin-right:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Option Base</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13.5pt;">
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:176.8pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Prior to partial withdrawal</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:80.18pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 75,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:77.92pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 72,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:80.18pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 25,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:78.92pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 22,000</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13.5pt;">
                    <td style="padding-bottom:4pt;padding-top:2.5pt;vertical-align:Top;width:176.8pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$10,000 partial withdrawal</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:80.18pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; $7,500</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:77.92pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; $7,200</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:80.18pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; $2,500</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:78.92pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; $2,200</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13.5pt;">
                    <td style="vertical-align:Top;width:176.8pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:80.18pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:77.92pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:80.18pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:78.92pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11.5pt;">
                    <td style="padding-top:2.5pt;vertical-align:Top;width:176.8pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">After partial withdrawal</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;width:80.18pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 67,500</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;width:77.92pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 64,800</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;width:80.18pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 22,500</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;width:78.92pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 19,800</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:0.0pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;margin-left:0%;">&#8195;</font></div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="zd487e596cd52401d95d9c5bdda61b479" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:50pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.15pt;">Amounts removed from the Index Options during the Term for partial withdrawals you take&#160;(including any </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">financial adviser fees that you choose to
                            have us pay from this Contract) and deductions we make for Contract </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">fees and expenses do not receive a
                            Performance Credit on the Term End Date</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. However, the remaining amount </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">in the Index Options is eligible for a Performance Credit on
                            the Term End Date.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:36pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">You cannot specify from which Index Option or the Variable Option&#160;we deduct Contract fees and expenses; we </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">deduct Contract fees and&#160;expenses from each Index Option and
                            the Variable Option&#160;proportionately based on its </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">percentage of Contract Value.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;54&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_38"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Calculating Performance Credits</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We base Performance Credits on Index Values and Index Returns. We measure Index Values on the Term Start Date and Term End Date using the Index&#8217;s price at the end of the Business Day as provided by Bloomberg or another market source if Bloomberg is not available. If the Term Start Date or Term End Date is a non-Business Day we use the next Business Day&#8217;s Index
                  price. If you select the EURO STOXX 50</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;">, we
                  determine Index Returns without any exchange rate adjustment. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Because we calculate Index Returns only on Term End Dates, the Index Return does not necessarily reflect the highest or lowest Index Values that occurred during the Term.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:6pt;">
              <table cellspacing="0" cellpadding="0" id="z5a609e6009054dbba620ca81d29240e3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:39pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:92.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Crediting Method </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">and Term Length</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:200.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">If Index Value is less than it was on
                            the</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Term Start Date</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">(i.e., Index Return is negative):</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:201pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">If Index Value is equal to or greater
                            than it was </font></div>
                        <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">on the Term Start Date</font></div>
                        <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">(i.e., Index Return is zero or positive):</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:37pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:92.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Protection </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy with Trigger </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">1-year Term</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:200.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Credit is zero.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:201pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Credit is equal to the Trigger Rate set </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">on the Term Start Date.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:77.5pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:92.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Protection </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy with Cap </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">1-year Term</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:200.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Credit is zero.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:201pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Credit is equal to the Index Return up </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to the Cap set on the Term Start Date.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Assume the Cap is 5%. If the Index Return is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;0%, the Performance Credit is zero.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;4%, the Performance Credit is 4%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;12%, the Performance Credit is 5%.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:296.5pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:92.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Dual Precision </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy 1-year Term</font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#8226;&#8194;For Contracts issued </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">from May 1, 2023, to </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">November 13, 2023, the </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">Index Dual Precision </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">Strategy is not available.</font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#8226;&#8194;For Contracts issued </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">from November 14, 2023, </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">to April 30, 2024, only </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">the 10% Buffer is </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">available.</font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#8226;&#8194;For Contracts issued </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">since May 1, 2024, the </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">10%, 20%, and 30% </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">Buffers are available.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:200.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Credit is equal to the Trigger Rate if the </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">negative Index Return is less than or equal to the </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">10%, 20%, or 30% Buffer. However, if the negative </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Return is greater than the 10%, 20%, or 30% </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Buffer you receive a Performance Credit equal to the </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">negative Index Return in excess of the applicable </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Buffer.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Assume you select a 1-year Term Index Option with </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">10% Buffer. If the Index Return for the year is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-8%, the Performance Credit is equal to the Trigger </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Rate set on the Term Start Date.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-12%, the Performance Credit is -2%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Instead assume you
                            select a 1-year Term Index </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Option with 20% Buffer</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, and the Index Return for </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Term is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-19%, the Performance Credit is equal to the </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Trigger Rate set on the Term Start Date.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-24%, the Performance Credit is -4%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Instead assume you
                            select a 1-year Term Index </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Option with 30% Buffer</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, and the Index Return for </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Term is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-29%, the Performance Credit is equal to the </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Trigger Rate set on the Term Start Date.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-36%, the Performance Credit is -6%.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:201pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Credit is equal to the Trigger Rate set </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">on the Term Start Date.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:64.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:92.5pt;">
                      <div style="line-height:11.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Precision </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy 1-year Term</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:200.5pt;">
                      <div style="line-height:11.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Credit is equal to the negative Index </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Return in excess of the 10% Buffer.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If the Index Return is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-8%, the Performance Credit is zero.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-12%, the Performance Credit is -2%.</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:201pt;">
                      <div style="line-height:11.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Credit is equal to the Trigger Rate set </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">on the Term Start Date.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;55&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
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      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_39"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="margin-top:6pt;">
              <table cellspacing="0" cellpadding="0" id="zd7db1f7157294942adb0dfeeb95e3e26" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:39pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:92.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Crediting Method </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">and Term Length</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:200.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">If Index Value is less than it was on
                            the </font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Term Start Date</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">(i.e., Index Return is negative):</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:201pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">If Index Value is equal to or greater
                            than it was </font></div>
                        <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">on the Term Start Date</font></div>
                        <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">(i.e., Index Return is zero or positive):</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:77.5pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:92.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Guard Strategy </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">1-year Term</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:200.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Credit is equal to the negative Index </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Return subject to the -10% Floor.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If the Index Return is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-8%, the Performance Credit is -8%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-12%, the Performance Credit is -10%.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:201pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Credit is equal to the Index Return up </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to the Cap set on the Term Start Date.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Assume the Cap is 8%. If the Index Return is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;0%, the Performance Credit is zero.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;6%, the Performance Credit is 6%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;12%, the Performance Credit is 8%.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:204.5pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:92.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Performance </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy 1-year Term</font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#8226;&#8194;For Contracts issued </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">from May 1, 2023, to </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">November 13, 2023, only </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">the 10% Buffer is </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">available.</font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#8226;&#8194;For Contracts issued </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">since November 14, </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">2023, the 10%, 20%, and </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">30% Buffers are </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">available.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:200.5pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Credit is equal to the negative Index </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Return in excess of the 10%, 20%, or 30% Buffer.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Assume you select a 1-year Term Index Option with </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">10% Buffer. If the Index Return for the year is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-8%, the Performance Credit is zero.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-12%, the Performance Credit is -2%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Instead assume you
                            select a 1-year Term Index </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Option with 20% Buffer</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, and the Index Return for </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Term is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-19%, the Performance Credit is 0%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-24%, the Performance Credit is -4%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Instead assume you
                            select a 1-year Term Index </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Option with 30% Buffer</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, and the Index Return for </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Term is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-29%, the Performance Credit is 0%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-36%, the Performance Credit is -6%.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:201pt;">
                      <div style="line-height:12.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Credit is equal to the Index Return up </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to any Cap set on the Term Start Date.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Assume the Cap for the 1-year Term is 8%. If the </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Index Return for the year is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;0%, the Performance Credit is zero.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;6%, the Performance Credit is 6%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;12%, the Performance Credit is 8%. </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">If instead the </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">1-year Term is uncapped,
                            the Performance </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">Credit is 12%</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:174.0pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:92.5pt;">
                      <div style="line-height:11.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Performance </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy 3-year Term</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:200.5pt;">
                      <div style="line-height:11.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Credit is equal to the negative Index </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Return in excess of the 10% or 20% Buffer.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Assume you select a 3-year Term Index Option with </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">10% Buffer. If the Index Return for the Term is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-19%, the Performance Credit is -9%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-24%, the Performance Credit is -14%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Instead assume you
                            select a 3-year Term Index </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Option with 20% Buffer</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, and the Index Return for </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Term is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-19%, the Performance Credit is 0%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-24%, the Performance Credit is -4%.</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:201pt;">
                      <div style="line-height:11.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Credit is equal to the Index Return </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">multiplied by the Participation Rate, up to any Cap </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">set on the Term Start Date.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Assume the Participation Rate is 100% and the Cap </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">is 80%. If the Index Return for the Term is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;0%, the Performance Credit is zero.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;65%, the Performance Credit is 65%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;90%, the Performance Credit is 80%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">If instead the
                            Participation Rate is 110% and the </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">3-year Term is uncapped</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, and the Index Return for </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Term is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;0%, the Performance Credit is zero.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;65%, the Performance Credit is 71.5%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;90%, the Performance Credit is 99%.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
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          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;56&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
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      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_40"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="margin-top:6pt;">
              <table cellspacing="0" cellpadding="0" id="z6c267b97ee2d4ef886a48e2eba99551f" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:39pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:92.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Crediting Method </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">and Term Length</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:200.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">If Index Value is less than it was on
                            the </font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Term Start Date</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">(i.e., Index Return is negative):</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:201pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">If Index Value is equal to or greater
                            than it was </font></div>
                        <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">on the Term Start Date</font></div>
                        <div style="margin-left:3.75pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">(i.e., Index Return is zero or positive):</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:174.0pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:92.5pt;">
                      <div style="line-height:11.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Index Performance </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Strategy 6-year Term</font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#8226;&#8194;For Contracts issued </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">from May 1, 2023, to </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">November 13, 2023, only </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">the 10% Buffer is </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">available.</font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#8226;&#8194;For Contracts issued </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">since November 14, </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">2023, the 10% and 20% </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:5.87pt;">Buffers are available.</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:200.5pt;">
                      <div style="line-height:11.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Credit is equal to the negative Index </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Return in excess of the 10% or 20% Buffer.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If the Index Return for the Term is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-19%, the Performance Credit is -9%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-24%, the Performance Credit is -14%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Instead assume you
                            select a 6-year Term Index </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Option with 20% Buffer</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, and the Index Return for </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Term is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-19%, the Performance Credit is 0%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;-24%, the Performance Credit is -4%.</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:201pt;">
                      <div style="line-height:11.5pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Credit is equal to the Index Return </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">multiplied by the Participation Rate, up to any Cap </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">set on the Term Start Date.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Assume the Participation Rate is 100% and the Cap </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">is 85%. If the Index Return for the Term is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;0%, the Performance Credit is zero.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;65%, the Performance Credit is 65%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;90%, the Performance Credit is 85%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">If instead the
                            Participation Rate is 110% and the </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">6-year Term is uncapped</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">, and the Index Return for </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Term is&#8230;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;0%, the Performance Credit is zero.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;65%, the Performance Credit is 71.5%.</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;90%, the Performance Credit is 99%.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:12pt;text-align:left;">
              <div style="margin-top:12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Daily Adjustment</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Daily Adjustment is how we calculate Index Option Values on Business Days other than the Term Start Date or Term End Date. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">The Variable Option is not subject to the Daily
                  Adjustment.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Daily Adjustment can affect the amounts available for withdrawal, Performance Locks, annuitization, payment of the death benefit, and the Contract Value used to determine the Income Payments,&#160;RMD payments,&#160;Charge Base, and contract maintenance charge. The Daily Adjustment can be positive or negative. When the Daily Adjustment is positive, your Index Option
                  Value has increased since the Term Start Date. When it is negative, your Index Option Value has decreased (excluding the effect of the deduction of Contract
                  expenses or any partial withdrawal). The Daily Adjustment for the Index Protection Strategy with Trigger&#160;and&#160;Index Protection Strategy with Cap cannot be
                  negative.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We calculate the Daily Adjustment for a given Business Day before we deduct any Contract fees or expenses or process any partial withdrawal on that Business Day, including Penalty-Free Withdrawals, and any financial adviser fees that you choose to have us pay from this Contract. The Daily Adjustment does not change the Contract fee or expense deducted, or the withdrawal amount; it only changes the Index Option Value from which we deduct the Contract fee or expense, or withdrawal.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Daily Adjustment approximates the Index Option Value that will be available on the Term End Date. It is the estimated present value of the future Performance Credit that we will apply on the Term End Date. The Daily Adjustment takes into account:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:10pt;text-align:left;width:9.43pt;"><font style="color: #000000; font-family: Times New Roman;">(i)</font></div>
                <div style="float:left;line-height:12pt;margin-left:10.57pt;text-align:left;width:459.00pt;"><font style="color: #000000; font-family: Times New Roman;">any Index gains during the Term subject to the applicable Trigger&#160;Rate,
                    Cap, and/or Participation Rate,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:10pt;text-align:left;width:12.2pt;"><font style="color: #000000; font-family: Times New Roman;">(ii)</font></div>
                <div style="float:left;line-height:12pt;margin-left:7.8pt;text-align:left;width:459.00pt;"><font style="color: #000000; font-family: Times New Roman;">for the Index Dual Precision Strategy, any Index losses less than or equal to
                    the 10%, 20%, or 30% Buffer,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:10pt;text-align:left;width:14.97pt;"><font style="color: #000000; font-family: Times New Roman;">(iii)</font></div>
                <div style="float:left;line-height:12pt;margin-left:5.03pt;text-align:left;width:459.00pt;"><font style="color: #000000; font-family: Times New Roman;">either any Index losses greater than the 10%, 20%, or 30% Buffer, or Index
                    losses down to the -10% Floor (not applicable to the Index Protection Strategy with Trigger or Index Protection Strategy with Cap), and</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:10pt;text-align:left;width:14.43pt;"><font style="color: #000000; font-family: Times New Roman;">(iv)</font></div>
                <div style="float:left;line-height:12pt;margin-left:5.57pt;text-align:left;width:459.00pt;"><font style="color: #000000; font-family: Times New Roman;">the number of days until the Term End Date.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Daily Adjustment does this by using the hypothetical value of a Proxy Investment </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(Proxy Value)</font><font style="color: #000000; font-family: Times New Roman;"> each Business Day, other
                  than the Term Start Date or Term End Date, based on the formulas described in Appendix B. The </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Proxy Investment</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font><font style="color: #000000; font-family: Times New Roman;">provides a current estimated present value of what the Performance Credit
                  will be on the Term End Date taking into account the applicable Buffer, Floor, Trigger Rate, Cap, and/or Participation Rate. The Daily Adjustment is not the
                  actual Index return on the day of the calculation, and the estimated present value Performance Credit is not guaranteed. Therefore, the Daily Adjustment could result in a loss beyond the protection of the Buffer or Floor. </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">In extreme circumstances, the Daily Adjustment could result in a loss beyond the protection of the
                  10%, 20%, or 30% Buffer; or -10% Floor. The maximum potential loss from a negative Daily Adjustment is: -99% for the Index Dual&#160;Precision Strategy, Index Precision Strategy, and Index Performance Strategy; and -35% for the Index Guard Strategy.&#160; </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Such losses will be greater
                  if the amount withdrawn&#160;(including any financial adviser fees that you choose to have us pay from this Contract) is also
                  subject to a withdrawal charge, or is a deduction of Contract fees and expenses.</font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;57&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_41"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">A withdrawal taken during the Term may not receive the full benefit of the Buffer or Floor because the Daily Adjustment takes into account what may potentially happen between the withdrawal date and the Term End Date. All other factors being equal, even if the current Index return during the Term is greater than the Cap, or the Trigger Rate&#160;for the Index Dual&#160;Precision
                Strategy or Index Precision Strategy, the Daily Adjustment will usually be lower than the Cap or Trigger Rate. For the Index Protection Strategy with Trigger
                and Index Precision Strategy, even if the current Index return during the Term is greater than or equal to zero, the Daily Adjustment will usually be lower than
                the Trigger Rate.&#160;For the Index Dual Precision Strategy, even if the Index return is greater than the applicable Buffer, the Daily Adjustment will usually be lower than the Trigger Rate. This is because there is a possibility that the Index return could decrease before the Term End Date. Similarly, even though a negative Index return may be within the 10%, 20%, or 30% Buffer&#160;for the Index Dual&#160;Precision Strategy, Index Precision Strategy, and Index Performance Strategy, you still may receive a negative Daily Adjustment
                because there is a possibility that the Index Return could decrease before the Term End Date. The Daily Adjustment for Index Options with a Term length of more
                than 1 year may be more negatively impacted by changes in the expected volatility of Index prices than 1-year Term Index Options due to the difference in Term
                length. Also, the risk of a negative Daily Adjustment is greater for Index Options with a Term length of more than 1 year than for 1-year Term Index Options due to the Term length. 3-year and 6-year Term Index Options with a Participation Rate above 100% may also have larger fluctuations in the Daily Adjustment than Index Options either without a Participation Rate, or with a&#160;Participation Rate
                equal to 100%. Finally, a negative Index return for the Index Guard Strategy may result in you receiving a Daily Adjustment lower than the -10% Floor, because
                the Daily Adjustment reflects the present value of the Floor and you will not receive the full benefit of the -10%&#160;Floor until the&#160;Term End Date.</font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;"> A negative Daily Adjustment may cause you to realize loss of principal and previous earnings.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Daily Adjustment&#8217;s risks (including the impact on Contract Value used to determine&#160;Income Payments and Contract fees and charges) are discussed in more detail in Risk Factors &#8211; Risk of Negative Returns. The specific details of the Daily Adjustment formula are described in Appendix B and in Exhibit 99 of the Form S-1 Registration Statement filed with the SEC, of which this prospectus is a part. This information is incorporated by reference into this prospectus. You can obtain a copy
                  of Exhibit 99 by calling (800) 624-0197, or visiting our website at www.allianzlife.com.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Performance Locks and Early Reallocations</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We must receive a Performance Lock request in Good Order before the end of the current Business Day to lock an Index Option on that day. Otherwise, the Lock Date will occur on the next Business Day that your request is in Good Order. We do not allow Performance Locks to occur on Term End Dates. For requests submitted in writing, we do not consider the request to be
                  received until it arrives at our Service Center. You can continue to request Performance Locks while you are receiving Income Payments. For the Increasing
                  Income payment option, you can continue to request Performance Locks even after your Contract Value reduces to zero as long as your Income Payments continue,
                  or are converted to Annuity Payments.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">You (or your Financial Professional, if authorized) can request a Performance Lock based on targets you set. You can set upper and/or lower targets for each Index Option each Term.</font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">
                  Setting a target close to the current Index Option Value return (or close to the Daily Adjustment once Contract Value is
                  reduced to zero) may cause a Performance Lock to occur very quickly.</font><font style="color: #000000; font-family: Times New Roman;"> You can change or cancel targets at any time before we execute a Performance Lock. Each Index Option&#8217;s targets automatically expire on
                  the earlier of the Lock Date, or the last Business Day before the Term End Date.</font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold; line-height: 12pt;"> </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">By setting targets you are authorizing us to automatically execute a Performance Lock at the end of the Business Day on the Lock Date upon which the target is reached.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">A Performance Lock can be executed once each Term for each Index Option. We will not execute your request for a Performance Lock on the Index Protection Strategy with Trigger or Index Protection Strategy with Cap Index Options if the Daily Adjustment&#160;on the applicable date is zero. A Performance Lock applies to the total Index Option Value in an Index Option,
                  and not just a portion of that Index Option Value. We use the Daily Adjustment calculated at the end of the current Business Day on the Lock Date to determine
                  your locked Index Option Value. This &#8220;locked&#8221; Index Option Value may be more or less than the &#8220;unlocked&#8221; Index Option Value that is available for your review
                  on the Lock Date because the unlocked Index Option Value was determined at the end of the </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">prior</font><font style="color: #000000; font-family: Times New Roman;"> Business Day. After the Lock Date, the Index Option Value stays in the locked Index Option for the remainder of the Index Year&#160;unless you execute an Early Reallocation&#160;(if
                  available to you).&#160;If you decide to execute an Early Reallocation, you can execute a Performance Lock and then, at the earliest, execute an Early Reallocation
                  on the same Business Day. When executing both the Performance Lock and Early Reallocation on the same Business Day, your Lock Date is also the Term Start Date
                  for the new Index Option. Daily Adjustments do not apply to a locked Index Option for the remainder of the Term and the locked Index Option Value will not receive a Performance Credit on the Term End Date. For example, assume you selected one Index Option and your </font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;58&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
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      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_42"></a>
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          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">Index Option Value available for review in your account today is $20,326. If before the end of the Business Day you request a Performance Lock, today is your Lock Date. If your Index Option Value at the end of the Business Day is $20,250, you will lock in this $20,250 and it will not change until the next Index Anniversary if you do not execute an Early
                Reallocation.&#160;However, if you take a partial withdrawal (including financial adviser fees that you choose to have us pay from this Contract) or when we deduct a
                Contract fee or expense, we deduct these amounts proportionately from the Index Option Values, which will decrease any locked Index Option Value. On the next
                Index Anniversary that occurs on or immediately after the Lock Date, all locked Index Options will be unlocked, we will transfer the locked Index Option Value according to your instructions, and Daily Adjustments will again apply for the new Term. If you do not provide us with transfer instructions, the Index Option Value will remain in the same Index Option&#160;with a new Term Start Date subject to the
                renewal Trigger Rate, Cap, or Participation Rate for the new Term.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">You can also transfer assets out of a locked Index Option by requesting an Early Reallocation. We do not accept Early Reallocation requests within 14 calendar days before an Index Anniversary and you are limited to two Early Reallocation requests each Index Year. However, each request can involve multiple locked Index Options. You can execute a Performance Lock and
                  Early Reallocation on the same Business Day. After your second Early Reallocation request in an Index Year, any locked Index Options will remain locked until
                  the next Index Anniversary. These limitations mean you may not be able to take advantage of any increases to Early Reallocation rates, or any advantageous
                  changes to Index values when they become available.&#160;In all cases, executing&#160;an Early Reallocation will result in the remainder of the Index Year from the date you execute the Early Reallocation being added to your new Term length. For example, assume you are allocated to a 1-year Term Index Option. Eight months into the Term, you elect to execute a Performance Lock, and at the end of the
                  tenth month you execute an Early Reallocation and choose a new 1-Year Term Index Option. The remaining two months of the Index Year will be added to the new
                  1-year Term for your newly selected Index Option, making the new Term length 14 months.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">A Performance Lock can help eliminate doubt about future Index performance and possibly limit the impact of a negative Performance Credit you would otherwise receive&#160;on an Index Dual Precision Strategy,&#160;Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy Index Option. Because we transfer assets out of a locked Index Option on the Index
                  Anniversary that occurs on or immediately after the Lock Date, executing a Performance Lock can also allow you to transfer assets out of a 3-year or 6-year
                  Term Index Option before the Term End Date if you execute the lock on or before the second Index Anniversary of a 3-year Term, or on or before the fifth Index
                  Anniversary of a 6-year Term.&#160;If the Index Anniversary occurs on a non-Business Day, the Performance Lock must be executed before the end of the </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">prior</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font><font style="color: #000000; font-family: Times New Roman;">Business Day in order to transfer assets out of a 3-year or 6-year Term Index Option before the Term End Date.&#160;Executing an Early Reallocation on a locked Index Option can also allow you to transfer assets out of an Index Option before the Term End Date. The disadvantage of executing a Performance Lock is that the relevant Index Value could increase by the Term End
                  Date, and you will not participate in that increase. In addition, if you execute a Performance Lock&#160;on an Index Dual Precision Strategy,&#160;Index Precision
                  Strategy, Index Guard Strategy, or Index Performance Strategy Index Option, you may receive less than the full protection of the Buffer or Floor that you
                  would have received if you waited for us to apply the Performance Credit on the Term End Date.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Early Reallocation Example.</font><font style="color: #000000; font-family: Times New Roman;"> Assume your Index
                  Anniversary occurs on January 1st, and by June 15th you have locked four Index Options. You could submit an Early Reallocation request on July 17th for one
                  Index Option, and a second request on August 14th for two more Index Options. However, after August 14th we will not accept any additional Reallocation Request for the remainder of the Index Year, so your one remaining locked Index Option will stay locked until the next Index Anniversary. Although you are unable to execute an Early Reallocation for the remainder of the Index Year, you
                  can continue to execute Performance Locks on any unlocked Index Options.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="zfcd41caca8b5492e95c8948d6f34a9e6" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:auto;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">We will not provide
                            advice or notify you regarding whether you should execute a Performance Lock&#160;or Early </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Reallocation or the
                            optimal time for doing so. We will not warn you if you execute a Performance Lock&#160;or Early </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Reallocation at a
                            sub-optimal time. We are not responsible for any losses related to your decision whether or not to </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">execute a Performance
                            Lock&#160;or Early Reallocation.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:13.0pt;margin-top:16pt;text-align:left;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 16.0pt; position: relative; top: -2pt; width: 494pt;"><font style="color: #000000; font-size: 11pt; text-transform: lowercase;">5.</font><font style="color: #000000; font-size: 11pt; line-height: 13pt; text-transform: uppercase;">&#8194;</font><font style="color: #000000; font-size: 11pt; text-transform: uppercase;">Information Related to the Variable Option's Underlying Fund</font></div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Information regarding the AZL Government Money Market Fund, including its (i) investment objective, (ii) investment adviser and subadviser, (iii) current expenses, and (iv) performance is available in Appendix G &#8211; Fund Available Under the Contract. The Fund has issued a prospectus that contains more detailed information about the Fund. You should read the prospectus for the Fund carefully before investing. The Fund&#8217;s prospectus and </font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;59&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_43"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">other information can be found online at </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">www.allianzlife.com/variableoptions</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">. You can also request this information at no cost by calling (800) 624-0197, by sending an email request to contact.us@allianzlife.com, or by contacting your Financial Professional. We send you
                the current copy of the Fund's prospectus when we issue the Contract.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">There are potential risks associated with the Fund and its investment strategies. Depending on market conditions, you can gain or lose value by investing in the Variable Option. In the future, we may add, eliminate or substitute underlying funds to the extent permitted by the federal securities laws and, when required, the SEC.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Currently, the Fund is not a publicly available mutual fund. It is available only through variable annuity contracts or variable life insurance policies issued by life insurance companies or in some cases, through participation in certain qualified pension or retirement plans. A material conflict of interest may arise between insurance companies, owners of different
                  types of contracts, and retirement plans or their participants. The Fund's Board of Directors monitors for material conflicts, and determines what action, if
                  any, should be taken to address any conflicts.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Fund's name, investment objectives and policies may be similar to the names, investment objectives and policies of other portfolios managed by the same investment advisers. Although the names, objectives and policies may be similar, the Fund's investment results may be higher or lower than these other portfolios&#8217; results. The investment advisers cannot guarantee, and make no representation, that these similar portfolios&#8217; investment results will be comparable even though the Fund
                  has the same name, investment advisers, objectives, and policies.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Fund pays 12b-1 fees to the Contracts&#8217; distributor, our affiliate, Allianz Life Financial Services, LLC, for distribution and/or administrative services. In addition, we may enter into certain arrangements under which we, or Allianz Life Financial Services, LLC, are compensated by the Fund's advisers, distributors and/or affiliates for administrative services and
                  benefits we provide to the Fund. The compensation amount usually is based on the aggregate assets in the Fund attributable to contracts we issue or
                  administer. Some advisers may pay us more or less than others. The maximum service fee we currently receive from any underlying fund or affiliate thereof in
                  any variable annuity contract we offer is 0.25% annually.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Allianz Investment Management LLC, the Fund's investment adviser, is affiliated with us through common ownership.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Substitution and Limitation on Holdings</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We may substitute another underlying fund for the Fund for any reason in our sole discretion. To the extent required by the Investment Company Act of 1940 or other applicable law, we do not substitute any shares without SEC approval (if required) and providing you notice. A new or substitute underlying fund may have different fees and expenses. We may limit the amount
                  of additional Purchase Payments that may be held in the Variable Option if marketing, tax, or investment considerations warrant, or for any reason in our sole
                  discretion. We may also close the Variable Option. However, we will always offer a variable investment option under the Contract. The Fund may discontinue
                  offering its shares in the future.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Excessive Trading and Market Timing</font><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;">&#8195;</font></div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z5925bf6d651b4ffba6fa51f2443e62c7" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:auto;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Currently the Contract does not offer any variable
                            investment options to which you can allocate money. As such, and </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">given the design of the Contract, we do not believe there to
                            be a risk of excessive trading and market timing. However, if </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">we were to offer multiple variable investment options in the
                            future, they would be subject to the following provisions.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:9pt;text-align:left;">
              <div style="margin-top:9pt;"><font style="color: #000000; font-family: Times New Roman;">We discourage and do not accommodate frequent transfers. We may restrict or modify your right to make transfers to prevent any use that we consider to be part of a market timing program.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Frequent transfers, programmed transfers, transfers into and then out of a variable investment option in a short period of time, and transfers of large amounts at one time (collectively referred to as &#8220;potentially disruptive trading&#8221;) may have harmful effects for other Owners, Annuitants and Beneficiaries. These risks and harmful effects include the following.</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Dilution of the interests of long-term investors in a variable investment
                    option, if market timers or others transfer into a variable investment option at prices that are below their true value, or transfer out at prices above
                    their true value.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman;">An adverse effect on portfolio management, such as causing an underlying fund
                    to maintain a higher level of cash or causing an underlying fund to liquidate investments prematurely.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Increased brokerage and administrative expenses for an underlying fund.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;60&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_44"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">We attempt to protect our Owners against potentially disruptive trading through our Excessive Trading and Market Timing policies and procedures. Under these policies and procedures, we may modify your transfer privileges for some or all of the variable investment options as follows:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Limit transfer frequency (for example, prohibit more than one transfer a
                    week, or more than two a month, etc.).</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman;">Restrict the transfer method (for example, requiring all transfers be sent by
                    first-class U.S. mail and rescinding electronic transfer privileges).</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Require a minimum time period between each transfer into or out of the same
                    variable investment option. Our current Excessive Trading and Market Timing policy, which is subject to change without notice, prohibits &#8220;round trips&#8221;
                    within 14 calendar days. We do not include transfers into and/or out of the Variable Option when available in your Contract or any automatic transfers made under any of our programs or Contract features. Round trips are transfers into and back out of the same variable investment option, or transfers out of and back into the same variable investment option.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Refuse transfer requests made on your behalf by an asset allocation and/or
                    market timing service.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Limit the dollar amount of any single Purchase Payment or transfer request to
                    a variable investment option.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Prohibit transfers into specific variable investment options.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman;">Impose other limitations or restrictions to the extent permitted by federal
                    securities laws.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We also reserve the right to reject any specific Purchase Payment allocation or transfer request from any person if in the investment adviser&#8217;s, subadviser&#8217;s or our judgment, an underlying fund may be unable to invest effectively in accordance with its investment objectives and policies. This could occur, for example, where frequent or rapid trading causes the investment adviser to hold an excess of uninvested cash to meet redemption requests, or to sell investment positions to fund
                  redemptions, thereby affecting underlying fund returns. Similarly, rapid or frequent trading may cause an underlying fund to incur excessive transaction fees,
                  which also could affect performance.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We retain some discretion in determining what actions constitute potentially disruptive trading and in determining when and how to impose trading restrictions. Currently, we attempt to </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">deter</font><font style="color: #000000; font-family: Times New Roman;"> disruptive trading as follows. If a transfer(s) is/are identified as potentially disruptive
                  trading, we may (but are not required to) send a warning letter. If the conduct continues and we determine it constitutes disruptive trading, we also impose
                  transfer restrictions. Transfer restrictions may include refusing electronic transfers and requiring all transfers be sent by first-class U.S. mail. If the
                  disruptive trading affects only a single variable investment option, we may prohibit transfers into or Purchase Payment allocations to that variable investment option. We do not enter into agreements permitting market timing and would not permit activities determined to be disruptive trading to continue. We also reserve the right to impose transfer restrictions if we determine, in our sole discretion,
                  that transfers disadvantage other Owners. We notify you in writing if we impose transfer restrictions on you.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We adopted these policies and procedures as a preventative measure to protect all Owners from the potential effects of disruptive trading, while also abiding by your legitimate interest in diversifying your investment and making periodic asset re-allocations based on your personal situation or overall market conditions. We attempt to protect your interests in making legitimate transfers by providing reasonable and convenient transfer methods that do not harm other Owners.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We may make exceptions when imposing transfer restrictions if we determine a transfer is appropriate, although it may technically violate our policies and procedures discussed here. In determining if a transfer is appropriate, we may, but are not required to, take into consideration its relative size, whether it was purely a defensive transfer into the Variable Option, and whether it involved an error or similar event. We may also reinstate electronic transfer privileges after we revoke them, but we do not reinstate these privileges if we believe they might be used for future disruptive trading.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We cannot guarantee the following.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Our monitoring will be 100% successful in detecting all potentially
                    disruptive trading activity.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Revoking electronic transfer privileges will successfully deter all
                    potentially disruptive trading.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">In addition, some of the underlying funds are available to other insurance companies and we do not know if they adopted policies and procedures to detect and deter potentially disruptive trading, or what their policies and procedures might be. Because we may not be completely successful at detecting and preventing market timing activities, and other insurance companies that offer the underlying funds may not have adopted adequate market timing procedures, there is some risk that market
                  timing activity may occur and negatively affect other Owners.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We may, without prior notice to any party, take whatever action we deem appropriate to comply with any state or federal regulatory requirement. In addition, purchase orders for an underlying fund&#8217;s shares are subject to acceptance by that underlying fund&#8217;s manager. We reserve the right to reject, without prior notice, any variable investment option transfer request or
                  Purchase Payment if the purchase order is rejected by the investment manager. We have entered into agreements </font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;61&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_45"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">required under SEC Rule 22c-2 (Rule 22c-2 agreements) whereby, upon request by an underlying fund or its designee, we must provide information about you and your trading activities to the underlying fund or its designee. Under the terms of the Rule 22c-2 agreements, we are required to: (1) provide details concerning every purchase, redemption, transfer, or exchange of
                variable investment options during a specified period; and (2) restrict your trading activity if the party receiving the information so requests. Under certain
                Rule 22c-2 agreements, if we fail to comply with a request to restrict trading activity, the underlying fund or its designee may refuse to accept buy orders
                from us until we comply.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Underlying funds may add or change policies designed to restrict market timing activities. For example, underlying funds may impose restrictions on transfers between underlying funds in an affiliated group if the investment adviser to one or more of the underlying funds determines that the person requesting the transfer has engaged, or is engaging in, market timing or other abusive trading activities. In addition, an underlying fund may impose a short-term trading fee on purchases and
                  sales within a specified period. You should review the underlying funds&#8217; prospectuses regarding any applicable transfer restrictions and the imposition of any
                  fee to discourage short-term trading. The imposition of these restrictions would occur as a result of underlying fund restrictions and actions taken by the
                  underlying funds&#8217; managers.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z028471fc4efd49cbafeaf349e382b121" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:auto;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">This Contract is not designed for professional market timing
                            organizations, or other persons using programmed, large, or </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">frequent transfers, and we may restrict excessive or
                            inappropriate transfer activity.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:9pt;text-align:left;">
              <div style="margin-top:9pt;"><font style="color: #000000; font-family: Times New Roman;">The retention of some level of discretion by us may result in disparate treatment among persons engaging in potentially disruptive trading, and it is possible that some persons could experience adverse consequences if others are able to engage in potentially disruptive trading practices that have negative effects.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Voting Privileges</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We legally own the Fund shares held in the Separate Account. However, when the Fund holds a shareholder vote that affects your investment, we ask you to give us voting instructions. We then vote all of our shares, including any we own on our behalf, in proportion to those instructions. Because most Owners do not give us instructions and we vote shares proportionally, a small number of Owners may determine a vote&#8217;s outcome. If we determine we no longer need to get your voting
                  instructions, we will decide how to vote the shares. Only Owners have voting privileges. Annuitants, Beneficiaries, Payees and other persons have no voting
                  privileges unless they are also Owners. We determine your voting interest based on the dollar value of the Fund shares attributable to your Contract. We
                  calculate this based on the number and value of accumulation units for your Contract on the record date. We count fractional units. You will receive proxy
                  materials and a voting instruction form.</font></div>
            </div>
            <div style="line-height:13.0pt;margin-top:11.5pt;text-align:left;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 12.0pt; position: relative; top: -2pt; width: 494pt;"><font style="color: #000000; font-size: 11pt; text-transform: lowercase;">6.</font><font style="color: #000000; font-size: 11pt; line-height: 13pt; text-transform: uppercase;">&#8194;</font><font style="color: #000000; font-size: 11pt; text-transform: uppercase;">Expenses</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Contract fees and expenses reduce your investment return and are described here in detail. We set the Contract fees and expenses on the Issue Date and they cannot change.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Base Contract Expenses (Product and Rider Fees)</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">In your Contract, the base contract expense is referred to as the &#8220;product fee and rider fee&#8221;. The product fee compensates us for providing all your Contract&#8217;s benefits, including our contractual obligation to make Annuity Payments and certain Contract and distribution expenses. The product fee also compensates us for assuming the expense risk that the current fee is less than future Contract administration costs as well as the cost of providing certain features under the Contract. The rider fee compensates us for the benefits provided by the Income Benefit, including the benefit's guarantees. If the product and rider fees cover these costs and risks, any excess is profit to us. We anticipate making such a profit.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="za5ce5b217abf49ffae29b6a3d11318db" style="empty-cells:show;width:494pt;">

                  <tr style="height:22.75pt;">
                    <td style="vertical-align:Bottom;width:350.89pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;width:143.11pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Base Contract Expenses</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">(as a percentage of the Charge Base)</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.75pt;">
                    <td style="vertical-align:Top;width:350.89pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Product Fee</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-4.25pt;">(1)</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;white-space:nowrap;width:143.11pt;">
                      <div style="line-height:12pt;margin-left:6pt;text-align:right;width:137.11pt;">
                        <div style="display:flex;margin:auto;width:25.25pt;">
                          <div style="display:flex;white-space:nowrap;width:25.25pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.25%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.75pt;">
                    <td style="vertical-align:Top;width:350.89pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Rider Fee for the Income Benefit</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;white-space:nowrap;width:143.11pt;">
                      <div style="line-height:13.0pt;margin-left:6pt;text-align:right;width:137.11pt;">
                        <div style="border-bottom:0.5pt solid #000000;padding-bottom:1pt;">
                          <div style="display:flex;margin:auto;width:25.25pt;">
                            <div style="display:flex;white-space:nowrap;width:25.25pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.70%</font></div>
                          </div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.75pt;">
                    <td style="vertical-align:Top;width:350.89pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Total Base Contract Expenses</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Bottom;white-space:nowrap;width:143.11pt;">
                      <div style="line-height:12pt;margin-left:6pt;text-align:right;width:137.11pt;">
                        <div style="display:flex;margin:auto;width:25.25pt;">
                          <div style="display:flex;white-space:nowrap;width:25.25pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1.95%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div>
              <div style="clear:both;margin-top:9.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:10pt;text-align:left;width:9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(1)</font></div>
                <div style="float:left;line-height:10pt;margin-left:8.68pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Upon the death of the Owner, we continue to assess this product fee under
                    death benefit payment Option B, and with optional payments under death benefit payment Option C, as noted in section 11, Death Benefit.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;62&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_46"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">The product and rider fees are annualized rates that we calculate and accrue on a daily basis as a percentage of the Charge
              Base and deduct quarterly during the Accumulation Phase as follows.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="zd4cdd69a8cf9494595866550f423bad4" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:13.5pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:96.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Issue Date</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:198.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Non-Quarterly Contract Anniversaries</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:199pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Quarterly Contract Anniversaries*</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:231pt;">
                    <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:96.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;The Charge Base is </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">equal to your initial </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Purchase Payment.</font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;We begin calculating </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">and accruing the </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">daily product and </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">rider fees, </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">on the </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">day after the Issue </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Date.</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:198.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;First we calculate and accrue the daily product </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">and rider fees, using the Charge Base. If this is a </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">non-Business Day we use the Charge Base from </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the end of the prior Business Day.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Then if this is a Business Day we </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">increase/decrease the Charge Base as follows.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If we receive an additional Purchase </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Payment, we increase the Charge Base by </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">the dollar amount we receive.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If you take a partial withdrawal&#160;(including any </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">financial adviser fees that you choose to have </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">us pay from this Contract), or we deduct </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Contract fees and expenses other than the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">withdrawal charge, we decrease the Charge </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Base by the percentage of Contract Value </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">withdrawn (including any withdrawal charge). </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">All withdrawals you take reduce the Charge </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Base, even Penalty-Free Withdrawals.</font></div>
                      </div>
                    </td>
                    <td rowspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:199pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;First we process all daily transactions and </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">determine your Contract Value. Daily </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">transactions include any gains/losses due to AZL </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Government Money Market Fund performance or </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">application of any Daily Adjustment (or </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Performance Credit if this is also the Term End </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Date), any additional Purchase Payment, any </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">partial withdrawals you take (including financial </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">adviser fees that you choose to have us pay from </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">this Contract and any withdrawal charge), and </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">deductions we make for other Contract fees and </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">expenses </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">(including deduction of the accrued </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">daily product and rider
                            fees for the prior </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">quarter). </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">All partial withdrawals you take reduce </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the Charge Base, even Penalty-Free </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Withdrawals.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">We deduct the accrued product and rider fees </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">for the prior quarter on a dollar for dollar basis </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">from the Contract Value, and proportionately </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">from each Index Option and the Variable </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Option.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Then we set the Charge Base equal to this </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract Value and we calculate and accrue the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">next quarter&#8217;s</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> daily product and rider fees using </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the newly set Charge Base.</font></div>
                      </div>
                      <div style="line-height:9.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">*</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;line-height:8pt;margin-left:0.0pt;">&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.31pt;">Or the next Business Day if the Quarterly Contract </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:9pt;">Anniversary is a non-Business Day.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:118pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:198.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:18.0pt;">Example:</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Contract Value is $125,000; Charge </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.0pt;">Base is $127,000; a $10,000 partial </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.0pt;">withdrawal (including any withdrawal charge) </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.0pt;">would decrease the Charge Base by $10,160. </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.0pt;">[($10,000 &#247; $125,000) x $127,000]</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.0pt;">Any increase/decrease to the Charge Base </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.0pt;">will increase/decrease the daily product and </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.0pt;">rider fees we calculate and accrue </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">on the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:18.0pt;">next day.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13.5pt;">
                    <td colspan="3" style="background-color:#D8D8D8;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:494.0pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.00pt;">Examples of how we
                            calculate the product and rider fees are included in Appendix C.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:0.0pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;margin-left:0%;">&#8195;</font></div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z75018091220546fba9d1abd6ad24455b" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:auto;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">We do not treat the deduction of the accrued product and
                            rider fees as a withdrawal when computing your Guaranteed </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Death Benefit Value (see section 11).</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:12pt;text-align:left;">
              <div style="margin-top:12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold;">Deduction of the final product and rider fees</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">If you take a full withdrawal we deduct the final accrued product and rider
                    fees before processing the withdrawal.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">If you annuitize the Contract, we deduct the final accrued product and rider
                    fees before calculating Annuity Payments.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Upon the death of an Owner (or Annuitant if the Owner is a non-individual),
                    we deduct the final accrued product fee before calculating the death benefit if death benefit payment Option A or Annuity Payments under death benefit payment Option C is selected. If the Income Benefit ends due to death, we also deduct its final rider fee before calculating the death benefit. For more information on the death benefit payment options see section 11, Death Benefit.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z55c637fe702a4a96aa615161a57c09e8" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:auto;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If on a Quarterly Contract Anniversary (or the next Business
                            Day if the Quarterly Contract Anniversary is a </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">non-Business Day) the Contract Value is less than the
                            accrued product and rider fees, we deduct your total remaining </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Contract Value to cover the accrued product and rider fees
                            and reduce your Contract Value to zero. If the deduction of </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the accrued product and rider fees reduces your Contract
                            Value to zero and the Income Benefit and your selected death </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">benefit have ended, we treat this as a full withdrawal and
                            your Contract ends.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;63&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_47"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Optional Benefit Additional Rider Fee</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold;">Maximum Anniversary Value Death Benefit</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If you have the Maximum Anniversary Value Death Benefit, we deduct an additional 0.20% rider fee from your Contract Value. The rider fee is an annualized rate that we calculate and accrue on a daily basis as a percentage of the Charge Base and deduct quarterly during the Accumulation Phase while your benefit is in effect in the same manner as the Base Contract Expenses. We no longer assess the 0.20% additional rider fee once we receive either the first Valid Claim from any one
                  Beneficiary, or due proof of a Determining Life&#8217;s death if you and the Determining Life are different individuals and the Determining Life predeceases you. We
                  deduct the final accrued additional rider fee before calculating the death benefit. If you take a full withdrawal or annuitize the Contract, we deduct the
                  final accrued rider fee before processing the withdrawal or calculating Annuity Payments. The additional rider fee compensates us for the risks we assume
                  under the Maximum Anniversary Value Death Benefit.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z1a8a5800f5e74cffa0b8103ad70cb871" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:auto;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">When calculating the Maximum Anniversary Value, we deduct
                            all Contract fees and expenses on the Index Anniversary </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">(including the accrued product and rider fees if this is
                            also a Quarterly Contract Anniversary) before we capture any </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">annual investment gains. However, we do not treat the
                            deduction of the accrued rider fee as a withdrawal when </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">calculating the Maximum Anniversary Value (see section 11).</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:12pt;text-align:left;">
              <div style="margin-top:12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Contract Maintenance Charge (Administrative Expenses)</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Your annual contract maintenance charge is $50. This charge is for Contract administration and maintenance expenses. We waive this charge as follows:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">During the Accumulation Phase&#160;(and Income Period, if applicable), if the
                    Contract Value is at least $100,000 on the Contract Anniversary.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman;">During the Accumulation Phase&#160;(and Income Period, if applicable), if you take
                    a full withdrawal of the Cash Value and the Contract Value is at least $100,000 at the end of the last Business Day before the withdrawal.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">During the Annuity Phase&#160;if the Contract Value&#160;on the last Business Day
                    before the Annuity Date is at least $100,000.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman;">When paying death benefits.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">During the Accumulation Phase, we deduct the contract maintenance charge:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">on a dollar for dollar basis from the Contract Value on the Contract
                    Anniversary (or the next Business Day if the Contract Anniversary is a non-Business Day), and</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">we deduct it proportionately from each Index Option and the Variable Option.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If you take a full withdrawal from your Contract (other than on a Contract Anniversary) and do not qualify for the waiver of this charge, we deduct the full contract maintenance charge from the Cash Value. We do not treat the deduction of the contract maintenance charge as a withdrawal when computing your Guaranteed Death Benefit Value. During the Annuity Phase, we deduct the contract maintenance charge proportionately from each Annuity Payment (e.g., if you request semi-annual Annuity
                  Payments we deduct 50% of the contract maintenance charge from each Annuity Payment).</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Withdrawal Charge</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">You can take withdrawals during the Accumulation Phase&#160;and Excess Withdrawals during the Income Period while your Contract Value is positive. A withdrawal charge applies if any part of a withdrawal or Excess Withdrawal comes from a Purchase Payment that is still within the withdrawal charge period. We assess the withdrawal charge against the Withdrawal Charge Basis, which is equal to total Purchase Payments, less any Purchase Payments withdrawn (excluding any Penalty-Free Withdrawals), and less any applicable withdrawal charge. We do not reduce the Withdrawal Charge Basis for any amounts
                  we deduct to pay other Contract fees and expenses. For withdrawals that are subject to a withdrawal charge, to pay your requested withdrawal amount, we deduct
                </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">more</font><font style="color: #000000; font-family: Times New Roman;"> than the amount you request and
                  apply a withdrawal charge to the Purchase Payments deducted. Please see #3 in the following example.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">We do not assess a withdrawal charge on Penalty-Free Withdrawals or amounts we deduct to pay Contract expenses, other than the withdrawal charge.</font><font style="color: #000000; font-family: Times New Roman;"> Amounts withdrawn to pay
                  financial adviser fees are subject to a withdrawal charge if they exceed the free withdrawal privilege&#160;during the Accumulation Phase and before the Income </font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;64&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_48"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">Period, or if they are taken as an Excess Withdrawal during the Income Period, and will reduce the Contract Value and Guaranteed Death Benefit Value </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">(perhaps significantly&#160;and
                by more than the amount withdrawn</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">)</font><font style="color: #000000; font-family: Times New Roman;">.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="zc1ab2caf6ebe431e9bd3fe65848ed1cf" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:14.5pt;">
                    <td colspan="4" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:252.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Calculating a Withdrawal Charge</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:241.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Example</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:87pt;">
                    <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:252.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">For purposes of calculating any withdrawal charge, we
                            withdraw </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Purchase Payments on a &#8220;first-in-first-out&#8221; (FIFO) basis and
                            we </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">process withdrawal requests as follows.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:241.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">You make an initial Purchase Payment of $55,000 and make </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">another Purchase Payment in the first month of the second </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Year of $45,000. In the third month of the third </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Year, your Contract Value is $110,000 and you </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">request a $70,000 withdrawal&#160;before the Income Period. We </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">withdraw money and compute the withdrawal charge as </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">follows.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:63pt;">
                    <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:252.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;">&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">First, we withdraw from Purchase Payments that we have had </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">for six or more complete years, which is your Contract&#8217;s </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">withdrawal charge period. This withdrawal is not subject to
                            a </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">withdrawal charge and it reduces the Withdrawal Charge Basis
                          </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">dollar for dollar.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:241.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;">&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Purchase Payments beyond the withdrawal charge </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9.0pt;">period.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> All payments are still within the withdrawal charge </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">period, so this does not apply.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:87pt;">
                    <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:252.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">2.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;">&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Amounts available as a Penalty-Free Withdrawal. This includes </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">partial withdrawals you take during the Accumulation Phase </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">under the free withdrawal privilege or waiver of withdrawal
                          </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">charge benefit, RMD payments you take under our minimum </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">distribution program, and Income Payments. Penalty-Free </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Withdrawals are not subject to a withdrawal charge, and they
                          </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">do not reduce the Withdrawal Charge Basis.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:241.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">2</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;">&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Amounts available as a Penalty-Free Withdrawal.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> You did </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">not take any other withdrawals this year, so the entire free
                          </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">withdrawal privilege (10% of your total Purchase Payments, </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">or $10,000) is available to you without incurring a
                            withdrawal </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">charge.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:192pt;">
                    <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:252.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">3.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;">&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Next, on a FIFO basis, we withdraw from Purchase Payments </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">within your Contract&#8217;s withdrawal charge period and assess a
                          </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">withdrawal charge. Withdrawing payments on a FIFO basis </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">may help reduce the total withdrawal charge because the </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">charge declines over time. We determine your total
                            withdrawal </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">charge by multiplying each payment by its applicable </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">withdrawal charge percentage and then totaling the charges.
                          </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">These withdrawals reduce the Withdrawal Charge Basis.</font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">The withdrawal charge as a percentage of each Purchase </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Payment withdrawn is as follows.</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:241.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">3</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;">&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Purchase Payments within the withdrawal charge period </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9.0pt;">on a FIFO basis.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> The total amount we withdraw from the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">first Purchase Payment is $55,000, which is subject to a 7%
                          </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">withdrawal charge, and you receive $51,150. We determine </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">this amount as follows:</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">(</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">amount withdrawn) x (1 &#8211; withdrawal charge) = the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9.0pt;">amount you receive, or:</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">$55,000 x 0.93 = $51,150</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">The total amount we withdraw from the second Purchase </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Payment is $9,620, which is subject to an 8% withdrawal </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">charge, and you receive $8,850. We determine this amount </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">as follows:</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">(</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">amount withdrawn) x (1 &#8211; withdrawal charge) = the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9.0pt;">amount you receive, or:</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">$9,620 x&#160;0.92 =&#160;$8,850</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:16.5pt;">
                    <td rowspan="2" style="background-color:#D8D8D8;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:84.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:6pt;margin-right:5.75pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Number of</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Complete Years</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Since Purchase</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Payment</font></div>
                        </div>
                      </div>
                    </td>
                    <td colspan="3" style="background-color:#D8D8D8;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:2.125pt;vertical-align:Top;width:168pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:5.75pt;margin-right:5.75pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Withdrawal Charge Amount</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:5.5pt;padding-top:2.125pt;vertical-align:Top;width:241.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:42pt;">
                    <td colspan="2" style="background-color:#D8D8D8;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Top;width:84pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:5.75pt;margin-right:5.75pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Contracts issued</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">on or before</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">April 30,2024</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Top;width:84pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:5.75pt;margin-right:5.75pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Contracts issued</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">on or after</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">May 1,2024</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:5.5pt;padding-top:1.5pt;vertical-align:Top;width:241.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:87pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;width:84.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0</font></div>
                        <div style="margin-left:6pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">1</font></div>
                        <div style="margin-left:6pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">2</font></div>
                        <div style="margin-left:6pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">3</font></div>
                        <div style="margin-left:6pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4</font></div>
                        <div style="margin-left:6pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5</font></div>
                        <div style="margin-left:6pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6 years or more</font></div>
                      </div>
                    </td>
                    <td colspan="2" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;width:84pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8.5%</font></div>
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8%</font></div>
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7%</font></div>
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6%</font></div>
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5%</font></div>
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4%</font></div>
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0%</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;width:84pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8%</font></div>
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">8%</font></div>
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">7%</font></div>
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">6%</font></div>
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">5%</font></div>
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">4%</font></div>
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0%</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;width:241.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;65&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_49"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z97840b5d05fe4be08306b7a54677f58c" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:14.5pt;">
                    <td colspan="4" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:252.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Calculating a Withdrawal Charge</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:241.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Example</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:115.5pt;">
                    <td colspan="4" style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:252.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">4.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;">&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Finally, we withdraw any Contract earnings. This withdrawal is </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">not subject to a withdrawal charge and it does not reduce
                            the </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">Withdrawal Charge Basis.</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:241.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">4.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;">&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Contract earnings.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> We already withdrew your requested </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">amount, so this does not apply.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9.0pt;">In total we withdrew $74,620 from your
                            Contract, of </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9.0pt;">which you received $70,000 and paid a
                            withdrawal </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9.0pt;">charge of $4,620. We also reduced the 1st
                            Purchase </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9.0pt;">Payment from $55,000 to $0, and your 2nd
                            Purchase </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:9.0pt;">Payment from $45,000 to $35,380 ($45,000
                            &#8211;&#160;$9,620).</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:9.0pt;">Please note that this
                            example may differ from your </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:9.0pt;">actual results due to
                            rounding.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:9pt;text-align:left;">
              <div style="margin-top:9pt;"><font style="color: #000000; font-family: Times New Roman;">Upon a full withdrawal, we first deduct any &#160;final product and rider fees, and contract maintenance charge from your Contract Value before we calculate the withdrawal charge. We then deduct any applicable withdrawal charge from the total remaining Contract Value and send you the remaining amount. For a partial withdrawal, we pay you the amount you requested and deduct this amount and any withdrawal charge from the total Contract Value. We deduct any partial withdrawal (including
                  any withdrawal charge) proportionately from each Index Option and the Variable Option. If a partial withdrawal occurs on a day that we also deduct the product
                  fee, rider fee, and/or contract maintenance charge,&#160;we deduct these&#160;fees and expenses before we calculate and deduct the partial withdrawal and any withdrawal
                  charge from the Contract Value.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The withdrawal charge compensates us for expenses associated with selling the Contract.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold;">Reduction or Elimination of the Withdrawal Charge</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We may reduce or eliminate the withdrawal charge when the Contract is sold under circumstances that reduce its sales expenses. We will implement this withdrawal charge reduction or elimination in a nondiscriminatory manner. For example, if a large group of individuals purchases Contracts or if a prospective purchaser already has a relationship with us. We may choose
                  not to deduct a withdrawal charge under a Contract issued to an officer, director, or employee of Allianz Life or any of its affiliates. Also, we may reduce
                  or eliminate the withdrawal charge when a Contract is sold by a Financial Professional appointed with Allianz Life to any members of his or her immediate
                  family and the Financial Professional waives their commission. We must pre-approve any withdrawal charge reduction or elimination.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="za6b0a29a254f4ea2889e6e7ec1aab3f3" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:62pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.15pt;">Upon a full withdrawal, the free withdrawal privilege is not available to you, and we apply a withdrawal charge </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">against Purchase Payments that are still within the
                            withdrawal charge period, including amounts previously </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">withdrawn under the free withdrawal privilege. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">On a full withdrawal, your Withdrawal Charge Basis may be </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">greater than your Contract Value because the
                            following reduce your Contract Value, but do not reduce your </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">Withdrawal Charge Basis:</font></div>
                      </div>
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                  <tr style="height:14pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.5pt;">prior Penalty-Free Withdrawals,</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.5pt;">deductions we make for Contract fees and expenses other than the withdrawal charge, and/or</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.5pt;">poor performance.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:28pt;">This also means that upon
                            a full withdrawal you may not receive any money.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:84pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Withdrawals (including any financial adviser fees that you choose to have us pay from this Contract)</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">are subject to </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">ordinary income taxes, and may also be
                            subject to a 10% additional federal tax for amounts withdrawn before </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">age 59</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;font-weight:bold;margin-left:0.0pt;">2</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">. The amount of Contract Value available for withdrawal is also affected by the Daily Adjustment</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">(which can be negative)
                            unless taken on a Term End Date. If you have Index Options with different Term End </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">Dates, there may be no
                            time you can take a withdrawal without application of at least one Daily Adjustment. </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">Please consult with your
                            Financial Professional before requesting us to pay financial adviser fees from this </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">Contract rather than from
                            other assets you may have.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:24pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">For tax purposes, and in most instances, withdrawals from Non-Qualified Contracts are considered to come from </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">earnings first, not Purchase Payments.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:12pt;text-align:left;">
              <div style="margin-top:12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Daily Adjustment Maximum Potential Loss</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Daily Adjustment is how we calculate Index Option Values on days other than the Term Start Date or Term End Date. The Daily Adjustment approximates the Index Option Value that will be available on the Term End Date. If before the Term End Date you take a full or partial withdrawal&#160;(including any financial adviser fees that you choose to have us pay from this
                  Contract),&#160;you take Income Payments, you execute a Performance Lock, you annuitize the Contract, we pay a </font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;66&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
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      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_50"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">death benefit, or when we deduct Contract fees and expenses, we calculate the Index Option Value by applying the Daily Adjustment. The Daily Adjustment can be positive or negative. Following is the maximum potential loss associated with the Daily Adjustment.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
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            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z1af75e4a7aa74de2ae39af4245128192" style="empty-cells:show;width:494pt;">

                  <tr style="height:58.5pt;">
                    <td style="padding-bottom:3.5pt;padding-top:3.5pt;vertical-align:Bottom;width:217.18pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:108.18pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:1pt;margin-right:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Protection Strategy</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">with Trigger</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">and</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Protection Strategy</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">with Cap</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:129.88pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:4pt;margin-right:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Dual&#160;Precision Strategy,</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Precision Strategy,</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">and</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index Performance Strategy</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:38.75pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Index</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Guard</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Strategy</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.5pt;">
                    <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;width:217.18pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Daily Adjustment Maximum Potential Loss</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;white-space:nowrap;width:108.18pt;">
                      <div style="line-height:12pt;margin-left:3pt;margin-right:6pt;text-align:right;width:99.18pt;">
                        <div style="display:flex;margin:auto;width:13.85pt;">
                          <div style="display:flex;white-space:nowrap;width:13.85pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0%</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;white-space:nowrap;width:129.88pt;">
                      <div style="line-height:12pt;margin-left:6pt;margin-right:6pt;text-align:right;width:117.88pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">99%</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:1.5pt;vertical-align:Top;white-space:nowrap;width:38.75pt;">
                      <div style="line-height:12pt;margin-left:6pt;text-align:right;width:32.75pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">35%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:35pt;">
                    <td style="padding-top:2pt;vertical-align:Top;width:217.18pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:10pt;">(as a percentage of Index Option Value, applies for </font></div>
                        <div style="margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18pt;">distributions from an Index Option before any Term </font></div>
                        <div style="margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18pt;">End Date)</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2pt;vertical-align:Top;white-space:nowrap;width:108.18pt;">
                      <div style="line-height:0.5pt;margin-left:3pt;margin-right:6pt;text-align:right;width:99.18pt;">
                        <div style="display:flex;margin:auto;width:13.85pt;">
                          <div style="display:flex;white-space:nowrap;width:13.85pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-top:2pt;vertical-align:Top;white-space:nowrap;width:129.88pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:117.88pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-top:2pt;vertical-align:Top;white-space:nowrap;width:38.75pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;text-align:right;width:32.75pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:12pt;text-align:left;">
              <div style="margin-top:12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Premium Tax</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Premium tax is based on your state of residence at the time you make each Purchase Payment. In states that assess a premium tax, we do not currently deduct it from the Contract, although we reserve the right to do so in the future. Premium tax normally ranges from 0% to 3.5% of the Purchase Payment, depending on the state or governmental entity.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Income Tax</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Currently, we do not deduct any Contract related income tax we incur, although we reserve the right to do so in the future.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Fund Expenses</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Charges deducted from and expenses paid out of the assets of the Fund are described in the Fund's prospectus.</font></div>
            </div>
            <div style="line-height:10.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">These expenses reduce the Fund's performance and, therefore, negatively affect your Contract Value and any payments based on Contract Value.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;line-height:10pt;"> </font></div>
            </div>
            <div style="line-height:13.0pt;margin-top:11.5pt;text-align:left;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 12.0pt; position: relative; top: -2pt; width: 494pt;"><font style="color: #000000; font-size: 11pt; text-transform: lowercase;">7.</font><font style="color: #000000; font-size: 11pt; line-height: 13pt; text-transform: uppercase;">&#8194;</font><font style="color: #000000; font-size: 11pt; text-transform: uppercase;">Access to Your Money</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Your Contract Value is available under the following circumstances:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">by taking a withdrawal (including financial adviser fees that you choose to
                    have us pay from this Contract; withdrawals under the free withdrawal privilege and waiver of withdrawal charge benefit; Income Payments and Excess Withdrawals; and, for Qualified Contracts only, RMD payments under our minimum distribution program);</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.0pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">by taking Annuity Payments; or</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">when we pay a death benefit.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">You can take withdrawals during the Accumulation Phase, however, Income Payments and Excess Withdrawals are only available during the Income Period. We process withdrawal requests based on values next determined after receipt of the request in Good Order at our Service Center. Values are normally determined at the end of each Business Day. We process any
                  withdrawal request received at or after the end of the current Business Day using values determined on the next Business Day.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Any partial withdrawal must be for at least $100.* The Contract Value after a partial withdrawal (including any withdrawal charge) must be at least $2,000.** </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Any partial withdrawal
                  that reduces the Contract Value below this minimum will be treated as a full withdrawal</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">&#160;of the Cash Value. A full withdrawal
                  will cause the Contract </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold; text-decoration: underline;">and all of its benefits</font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;"> to end.</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:1pt;position:relative;width:100%;">
                <div style="float:left;line-height:10pt;text-align:left;width:4pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">*</font></div>
                <div style="float:left;line-height:10pt;margin-left:14pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Does not apply to RMD payments under our minimum distribution program.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:1pt;position:relative;width:100%;">
                <div style="float:left;line-height:10pt;text-align:left;width:8pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">**</font></div>
                <div style="float:left;line-height:10pt;margin-left:10pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Does not apply to&#160;Income Payments or RMD payments under our minimum
                    distribution program.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We deduct any partial withdrawal (including any withdrawal charge) proportionately from each Index Option and the Variable Option. The Index Option Value from which a partial withdrawal is deducted during a Term will include any applicable Daily Adjustment.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">A partial or full withdrawal is subject to a withdrawal charge if taken within six years of your last Purchase Payment and, if taken on a day other than a Term End Date, we will apply the Daily Adjustment, which may be negative, to the Index Option Values before deducting the withdrawal. A partial withdrawal is not subject to any Contract fees or expenses other than the
                  withdrawal charge, but on a full withdrawal we do deduct any final product and rider fees, and contract maintenance charge.</font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;67&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
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      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_51"></a>
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          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">Partial withdrawals (including any withdrawal charge) reduce Contract Value and Cash Value dollar for dollar, and reduce the Guaranteed Death Benefit Value proportionately. The reduction to Contract Value also reduces the following which are based on Contract Value:</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman;">the initial annual maximum Income Payment;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the likelihood of receiving Income Payment Increases if the Level Income
                    payment option is selected, or receiving increases to the Maximum Anniversary Value if the Maximum Anniversary Value Death Benefit is selected; and</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">RMD payments.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If a partial withdrawal is also an Excess Withdrawal it will also reduce the annual maximum Income Payment on the next Index Anniversary. A full withdrawal&#160;of the Cash Value will end the Contract and all its benefits.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">See the Fee Tables and section 6, Expenses for a discussion of the Contract fees and expenses.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We pay withdrawals promptly, but in no event later than seven days after receipt of your request in Good Order at our Service Center, unless the suspension of payments or transfers provision is in effect (see the discussion later in this section).</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z0a9b1c74814e4a77bd5450b4d9b54814" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

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                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.15pt;">Withdrawals are subject to a withdrawal charge, income taxes, and may also be subject to a 10% additional federal </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">tax for amounts withdrawn before age 59</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;margin-left:0.0pt;">2</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. The amount of Contract Value available for
                            withdrawal may also be </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">affected by the Daily Adjustment </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">(which can be negative)</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;"> Please consult with your Financial Professional
                            before </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">requesting us to pay
                            financial adviser fees from this Contract rather than from other assets you may have.</font></div>
                      </div>
                    </td>
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                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">Joint Owners:</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> We send each Joint Owner a check for half of the withdrawal
                            amount and we tax report that Joint </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Owner individually. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Tax reporting each Joint Owner individually can create a discrepancy in taxation if only one </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">Joint Owner is under age
                            59</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">2</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;"> because that Joint Owner may</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#160;be subject to the 10% additional federal tax.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:72pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">We may be required to provide information about you or your Contract to government regulators. We may also be </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">required to stop Contract disbursements and thereby refuse
                            any transfer requests, and refuse to pay any withdrawals </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">(including a full withdrawal), or death benefits until we
                            receive instructions from the appropriate regulator. If, </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">pursuant to SEC rules, the AZL Government Money Market Fund
                            suspends payment of redemption proceeds in </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">connection with a fund liquidation, we will delay payment of
                            any transfer, full or partial withdrawal, or death benefit </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">from the Variable Option until the Fund is liquidated.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:12pt;text-align:left;">
              <div style="margin-top:12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Free Withdrawal Privilege</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Each Contract Year during the Accumulation Phase and before the Income Period, you can withdraw up to 10% of your total Purchase Payments without incurring a withdrawal charge (the free withdrawal privilege). Any unused free withdrawal privilege in one Contract Year is not added to the amount available to you in the next Contract Year. Withdrawals from
                  Purchase Payments that are outside the six year withdrawal charge period are not subject to a withdrawal charge and do not reduce your free withdrawal
                  privilege. RMD payments you take under our minimum distribution program and withdrawals under the waiver of withdrawal charge benefit are not subject to a
                  withdrawal charge, but do reduce your free withdrawal privilege. Amounts we deduct for any financial adviser fees that you choose to have us pay from this Contract also reduce your free withdrawal privilege.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-decoration: underline;">Example</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Assume your initial Purchase Payment 10 years ago was $100,000, and you made a second $90,000 Purchase Payment 3 years ago. You take an RMD payment of $1,500 and withdraw $150,000 when the Contract Value is $275,000. The RMD payment is not subject to a withdrawal charge, but reduces the amount available under the free withdrawal privilege to $17,500 (10%
                  x $190,000 total Purchase Payments = $19,000 - $1,500 RMD payment). After the RMD payment, $117,500 is available to you without a withdrawal charge: the
                  initial $100,000 Purchase Payment that is beyond the 6-year withdrawal charge period, and $17,500 remaining free withdrawal privilege. The remaining $32,500
                  of your requested withdrawal would be subject to a 7% withdrawal charge.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="zd8340d8300eb43a7b6b8c99f17a7824c" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

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                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">The free withdrawal privilege is not
                            available upon a full withdrawal or during the Income Period.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
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            <div style="line-height:12.0pt;margin-top:12pt;text-align:left;">
              <div style="margin-top:12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Minimum Distribution Program and Required Minimum Distribution (RMD) Payments</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If you own an IRA or SEP IRA Contract, you can participate in the minimum distribution program during the Accumulation Phase&#160;(and Income Period, if applicable). Under this program, we make payments to you designed to meet the applicable minimum distribution requirements imposed by the Code for this Qualified Contract. RMD payments are </font></div>
            </div>
          </div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;68&#8201;</font></div>
          </div>
        </div>
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      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
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          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">not subject to a withdrawal charge, but they reduce the free withdrawal privilege amount during the Contract Year. We do not consider deductions we make for financial adviser fees that you choose to have us pay from this Contract to be RMD payments. However, Contract Value is one of the components we use to calculate RMD payments, so these deductions may reduce your
                future RMD payments. </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">We apply the Daily Adjustment to the Index Option Values if RMD payments are deducted on days other than the Term End Date</font><font style="color: #000000; font-family: Times New Roman;">. This contract may not be appropriate if you intend to take RMD payments from an Index Option on days other than a Term End Date. You should consult your tax advisor before purchasing a Qualified Contract subject to RMD payments.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We can make payments to you monthly, quarterly, semi-annually or annually. However, if your Contract Value is less than $25,000, we only make annual payments. We do not allow you to aggregate RMD payments between this Contract and other qualified contracts that you own for purposes of this program. We must receive your program form instructions in Good Order at
                  our Service Center before the end of the Business Day before payments begin.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">When you request Income Payments, we ask for instructions regarding your RMD needs for this Contract. If you choose to use Income Payments to satisfy your RMD needs, we determine whether this calendar year&#8217;s total RMD has been satisfied by your Income Payments and any Excess Withdrawals. If the RMD amount for this Contract has not been satisfied, we send you this
                  remaining amount as one RMD payment by the end of the calendar year. We consider this payment to be a withdrawal, but it is not an Excess Withdrawal and it is
                  not subject to &#160;a withdrawal charge,. For more information, see section 10, Income Benefit &#8211; Calculating Your Income Payments.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We reserve the right to discontinue or modify the minimum distribution program subject to the requirements of law.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
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              <table cellspacing="0" cellpadding="0" id="zd725e009349147bb807eb4d7913d1b6f" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

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                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.15pt;">You should consult a tax adviser before purchasing a Qualified Contract that is subject to RMD payments.</font></div>
                      </div>
                    </td>
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                  <tr style="height:24pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">The minimum distribution program is not available if you have a Qualified Contract purchased through a </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">qualified plan.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:12pt;text-align:left;">
              <div style="margin-top:12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Waiver of Withdrawal Charge Benefit</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">After the first Contract Year, you can take withdrawals and we waive the withdrawal charge if you:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman;">begin confinement after the first Contract Anniversary in an eligible facility
                    (a hospital, nursing facility, or assisted living facility) for at least 90 days in a 120-day period, or</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">are unable to perform at least two of six activities of daily living (ADLs)
                    for at least 90 consecutive days. ADLs include bathing, dressing, toileting, continence, eating, and transferring (moving into or out of a bed, chair, or
                    wheelchair).</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We must receive proof of staying in an eligible facility or ADL eligibility before we waive the withdrawal charge. For ADL eligibility we may require, at our expense, an examination or tests by a physician of our choice. This waiver is not available if on the Issue Date you were confined to an eligible facility, or were unable to perform all six of the ADLs. We base this benefit on the Annuitant for non-individually owned Contracts. Withdrawals under this benefit reduce the free withdrawal privilege amount during the Contract Year, and if taken during the Income Period will be treated as an Excess Withdrawal
                  if they cause the total amount withdrawn in that Income Benefit Year to exceed the annual maximum Income Payment. We apply the Daily Adjustment to the Index
                  Options if withdrawals under this benefit are deducted on days other than the Term End Date.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Suspension of Payments or Transfers</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We may be required to suspend or postpone transfers or payments for withdrawals* for more than seven days after receipt of your request in Good Order at our Service Center, for any period when:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the New York Stock Exchange is closed (other than customary weekend and
                    holiday closings);</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">trading on the New York Stock Exchange is restricted;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">an emergency (as determined by the SEC) exists as a result of which disposal
                    of Fund shares by the Separate Account, or disposal of securities owned by the Fund, is not reasonably practicable, or it is not reasonably practical for
                    the Separate Account or the Fund to determine the value of their net assets; or</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">during any other period when the SEC, by order, so permits for the protection
                    of Owners.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:1.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:10pt;text-align:left;width:4pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">*</font></div>
                <div style="float:left;line-height:10pt;margin-left:14pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Including Income Payments and Excess Withdrawals.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;69&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_53"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:13.0pt;margin-top:12pt;text-align:left;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 0pt; top: -2pt; width: 494pt;"><font style="color: #000000; font-size: 11pt; text-transform: lowercase;">8.</font><font style="color: #000000; font-size: 11pt; line-height: 13pt; text-transform: uppercase;">&#8194;</font><font style="color: #000000; font-size: 11pt; text-transform: uppercase;">The Annuity Phase</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Prior to annuitization, you can take a full withdrawal and receive your Cash Value. If you take a full withdrawal on any day other than a Term Start Date or Term End Date we apply the Daily Adjustment to the Index Option Values before we deduct the final Contract fees and expenses.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Annuity Payments offer a guaranteed lifetime income stream with certain tax advantages and are designed for Owners who no longer need immediate access to Contract Value to meet their short-term income needs.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">You can request regular periodic fixed Annuity Payments. The Payee receives the Annuity Payments. You receive tax reporting on the payments, whether or not you are the Payee. We may require proof of the Annuitant(s)&#8217; age before we make any life contingent Annuity Payment. If you misstate the Annuitant(s)&#8217; age or gender, we recalculate the Annuity Payments
                  based on the correct age or gender.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Calculating Your Annuity Payments</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We base Annuity Payments upon the following:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The Contract Value less the final product fee, and rider fee (if applicable)
                    on the Annuity Date.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman;">The age of the Annuitant and any joint Annuitant on the Annuity Date.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman;">The gender of the Annuitant and any joint Annuitant where permitted.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The Annuity Option you select.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Your Contract&#8217;s interest rate (or current rates, if higher) and mortality
                    table.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">For any Index Option for which the Annuity Date is not a Term End Date, Contract Value reflects the Daily Adjustment. We guarantee the dollar amount of Annuity Payments and this amount remains fixed and does not change during the entire annuity payment option period that you selected, except as provided under Annuity Option G, or if your Income Payments under the
                  Increasing Income payment option are converted to Annuity Payments. We deduct the contract maintenance charge proportionately from each Annuity Payment (e.g.,
                  if you request semi-annual Annuity Payments we deduct 50% of the contract maintenance charge from each Annuity Payment). However, if your Contract Value on
                  the last Business Day before the Annuity Date is at least $100,000, we waive the contract maintenance charge during the Annuity Phase.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Annuity Payment Options</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">You can choose one of the Annuity Options described below. After Annuity Payments begin, you cannot change the Annuity Option, or transfer or withdraw Contract Value.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Option A - Guaranteed Period. </font><font style="color: #000000; font-family: Times New Roman;">We make
                  Annuity Payments for a guaranteed period of ten years.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Option B - Life.</font><font style="color: #000000; font-family: Times New Roman;"> We make Annuity Payments
                  during the life of the Annuitant, and the last payment is the one that is due before the Annuitant&#8217;s death. If the Annuitant dies shortly after the Annuity
                  Date, the Payee may receive less than your investment in the Contract.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Option C - Life with Guaranteed Period.</font><font style="color: #000000; font-family: Times New Roman;"> We
                  make Annuity Payments during the life of the Annuitant, with payments for a minimum guaranteed period that you select. The guaranteed period must be either
                  five or ten years.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Option F - Joint and Survivor.</font><font style="color: #000000; font-family: Times New Roman;"> We make
                  Annuity Payments during the lifetimes of the Annuitant and the joint Annuitant. Upon the death of one Annuitant, Annuity Payments to the Payee continue during
                  the lifetime of the surviving joint Annuitant. If both Annuitants die shortly after the Annuity Date, the Payee may receive less than your investment in the Contract.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Option G - Joint and 2/3 Survivor Annuity. </font><font style="color: #000000; font-family: Times New Roman;">We
                  make Annuity Payments during the lifetimes of the Annuitant and the joint Annuitant. Upon the death of one Annuitant, Annuity Payments to the Payee continue
                  during the lifetime of the surviving joint Annuitant at 2/3 of the original amount. If both Annuitants die shortly after the Annuity Date, the Payee may receive less than your investment in the Contract.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Under Annuity Options B, F and G, if all Annuitants die on or after the Annuity Date and before we send the first Annuity Payment, we will cancel Annuity Payments and, upon receipt of a Valid Claim, we will pay the Contract Value determined on the Annuity Date to surviving individual Owner, or the Beneficiary(ies) if there is no surviving Owner. If the Owner is a
                  non-individual, we pay the Owner.</font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;70&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
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          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">After the Annuitant&#8217;s death under Annuity Options A and C, we make Annuity Payments during the remaining guaranteed period in the following order based on who is still alive: the Payee, any surviving original Owner, the last surviving Owner&#8217;s Beneficiaries, or to the last surviving Owner&#8217;s estate if there are no remaining or named Beneficiaries.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Annuity Payments are usually lower if you select an Annuity Option that requires us to make more frequent Annuity Payments or to make payments over a longer period of time. If you choose life contingent Annuity Payments, payout rates for a younger Annuitant are lower than the payout rates for an older Annuitant and payout rates for life with a guaranteed period
                  are typically lower than life only payments. Monthly payout rates are lower than annual payout rates, payout rates for a 10-year guaranteed period are less
                  than payout rates for a 5-year guaranteed period, and payout rates for a 50-year-old Annuitant are less than payout rates for a 70-year-old Annuitant.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z994c7e0fa5ad4a7590b15f0bb66fc720" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:26pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.15pt;">If you do not choose an Annuity Option before the Annuity Date, we make Annuity Payments to the Payee </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">under Annuity Option C with ten years of
                            guaranteed monthly payments.</font></div>
                      </div>
                    </td>
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                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">For Owners younger than age 59</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;font-weight:bold;margin-left:0.0pt;">2</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">, Annuity
                            Payments may be subject to a 10% additional federal tax.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">For a Qualified Contract, the Annuity Payments must end ten years after the Owner&#8217;s death.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:12pt;text-align:left;">
              <div style="margin-top:12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">When Annuity Payments Begin</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Annuity Payments must begin on the maximum Annuity Date stated in your Contract, which is the Index Anniversary that occurs on or immediately after the Annuitant reaches either age 90 or age 100 depending on the requirements of the Financial Professional from which you purchased your Contract. An earlier Annuity Date or a withdrawal may be required to satisfy
                  minimum required distribution rules under certain Qualified Contracts. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">You can make an authorized request for an earlier Annuity Date after the Issue Date, but any such request is subject to applicable law and our approval. </font><font style="color: #000000; font-family: Times New Roman;">Your Annuity Date must occur on an Index Anniversary. The earliest available Annuity Date is
                  the&#160;second Index Anniversary.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;71&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_6e0a7fbf-8100-492d-ac65-e8c9abddaf10_55"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z58a456d0ffba4b5a870d106fa7443931" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:26pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.15pt;">If Annuity Payments would be less than $100, we reserve the right to require you to take a full withdrawal and </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">your Contract will then terminate. We do not
                            assess a withdrawal charge on this full withdrawal.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:84pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">If on the maximum Annuity Date your Contract Value is greater than zero, you must annuitize the Contract.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">We notify you of your available options in writing 60 days in
                            advance. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">If on your maximum Annuity Date you have </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">not selected an Annuity
                            Option and Income Payments have not begun, we make payments under Annuity Option </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">C with ten years of
                            guaranteed monthly payments. However, if Income Payments have begun on the maximum </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">Annuity Date and you have
                            not selected an Annuity Option we will convert your Income Payments to Annuity </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">Payments as described in
                            the next bullet.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> Upon annuitization you no longer have Contract Value or a death benefit, </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">and you cannot receive any other periodic withdrawals or
                            payments other than Annuity Payments.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:36pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">For Contracts in the Income Period:</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> We will convert your Income Payments
                            to Annuity Payments on the </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">maximum Annuity Date Income Payments have begun and you have
                            not selected an Annuity Option, or if your </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Contract Value is greater than zero and you take Annuity
                            Payments under Annuity Option B or F as follows.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:26pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">For single Income Payments, if you choose Annuity Option B
                            (Life) the sole Covered Person becomes the sole </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Annuitant and your Annuity Payments are equal to the greater
                            of:</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.5pt;">annual Annuity Payments under Annuity Option B based on the Contract Value; or</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.5pt;">the current annual maximum Income Payment available to you.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:26pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">For joint Income Payments, if you choose Annuity Option F
                            (Joint and Survivor) the joint Covered Persons become the </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">joint Annuitants and your Annuity Payments are equal to the
                            greater of:</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.5pt;">annual Annuity Payments under Annuity Option F based on the Contract Value; or</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.5pt;">the current annual maximum Income Payment available to you.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:50pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">If you select Annuity Option A, C, or G, we do </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">not</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">
                            convert your Income Payments to Annuity Payments. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">This means </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">you may receive less as Annuity Payments
                            than you would have received as Income Payments. You should </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">consult with your Financial Professional
                            before requesting Annuity Payments. On request we provide </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">illustrations showing you the amount of
                            Annuity Payments you could receive.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">If we convert your Income Payments to Annuity Payments:</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:38pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.5pt;">On the Annuity Date we establish a &#8220;remaining value&#8221; equal to your Contract Value. Each Annuity Payment </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:28pt;">reduces the remaining value by the dollar amount paid. Upon
                            the death of the last surviving Annuitant, we will pay </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:28pt;">any remaining value to the named Beneficiary(s).</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:38pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.5pt;">If you selected the Increasing Income payment option, your Annuity Payments will increase on each Index </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:28pt;">Anniversary if your selected Index Options receive a
                            Performance Credit, or by the Daily Adjustment if you execute </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:28pt;">a Performance Lock, as described in section 10.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:38pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:4.5pt;">If you have a Non-Qualified Contract, these Annuity Payments will receive the benefit of the exclusion ratio, which </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:28pt;">causes a portion of each Annuity Payment to be non-taxable as
                            described in section 12, Taxes &#8211; Taxation of </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:28pt;">Annuity Contracts.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:1.0pt;text-align:left;"> </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;72&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_1"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:13.0pt;margin-top:12pt;text-align:left;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 0pt; top: -2pt; width: 494pt;"><font style="color: #000000; font-size: 11pt; text-transform: lowercase;">9.</font><font style="color: #000000; font-size: 11pt; line-height: 13pt; text-transform: uppercase;">&#8194;</font><font style="color: #000000; font-size: 11pt; text-transform: uppercase;">Benefits Available Under the Contract</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The following tables summarize information about the benefits available under the Contract.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:6pt;">
              <table cellspacing="0" cellpadding="0" id="z849cad5781694705bbb6406410a71118" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:17.5pt;">
                    <td colspan="4" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:494.0pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Benefits (No Additional Charge)</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:28pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:58.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</font></div>
                        <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:188.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:58pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Fee</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:189pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of
                            Restrictions/Limitations</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:127pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:58.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Free</font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal</font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Privilege</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:188.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allows you to withdraw up to 10% of your total </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Purchase Payments each Contract Year without </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">incurring a withdrawal charge.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:58pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">None</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:189pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Only available during the Accumulation Phase.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Not available during the Income Period.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Not available upon a full withdrawal.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Unused free withdrawal amounts not available </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">in future years.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Program withdrawals may be subject to </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">negative Daily Adjustments.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Program withdrawals are subject to income </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">taxes, and may also be subject to a 10% </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">additional federal tax for amounts withdrawn </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">before age 59&#8202;</font><font style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8725;</font><font style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:171pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:58.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Minimum</font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Distribution</font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Program</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:188.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allows you to automatically take withdrawals to </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">satisfy the minimum distribution requirements </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(RMD) imposed by the Internal Revenue Code.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:58pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">None</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Top;width:189pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Only available during the Accumulation Phase.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Only available to IRA or SEP IRA Contracts.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Program withdrawals count against free </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawal privilege.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Program withdrawals may be subject to </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">negative Daily Adjustments.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Program withdrawals are subject to income </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">taxes.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Program withdrawals may be monthly, </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">quarterly, semi-annual or annual, unless you </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">have less than $25,000 in Contract Value, in </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">which case only annual payments are </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">available.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;We reserve the right to discontinue or modify </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the program subject to the requirements of law.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:189.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:58.5pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Financial</font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adviser</font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Fees</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:188.5pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If you have a financial adviser and want to pay </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">their financial adviser fees from this Contract, </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">you can instruct us to withdraw the fee from your </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract and pay it to your Financial </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Professional or Financial Professional&#8217;s firm as </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">instructed.</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:58pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">None</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:189pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Only available during the Accumulation Phase.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Financial adviser fees are in addition to the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract&#8217;s fees and expenses.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Deductions for financial adviser fees are </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">treated as withdrawals under the Contract.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Program withdrawals count against free </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawal privilege.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Program withdrawals may be subject to </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">negative Daily Adjustments.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Program withdrawals are subject to withdrawal </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">charges, income taxes, and may also be </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">subject to a 10% additional federal tax for </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">amounts withdrawn before age 59&#8202;</font><font style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8725;</font><font style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;We reserve the right to discontinue or modify </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the program.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;See section 1 for an example of how deduction </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">of financial adviser fees impact the Contract.</font></div>
                      </div>
                    </td>
                  </tr>

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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
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          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;73&#8201;</font></div>
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                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard Benefits (No Additional Charge)</font></div>
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                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</font></div>
                        <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit</font></div>
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                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</font></div>
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                      <div style="line-height:12.0pt;text-align:left;">
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                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Fee</font></div>
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                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:189pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of
                            Restrictions/Limitations</font></div>
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                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:58.5pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Waiver of</font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal</font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charge</font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit</font></div>
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                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:188.5pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Waives withdrawal charges if you are confined </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">for care, or are unable to perform at least two out </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">of six activities of daily living (ADLs).</font></div>
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                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:58pt;">
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                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">None</font></div>
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                    <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:189pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Only available during the Accumulation Phase.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Confinement must begin after the first Contract </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Anniversary, be for at least 90 days in a </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">120-day period, and requires proof of stay.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Inability to perform two ADLs must be for at </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">least 90 consecutive days and may require an </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">exam or tests by a physician.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Not available on the Issue Date if any Owner </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">was confined to an eligible facility, or unable to </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">perform all six ADLs.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Program withdrawals count against free </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawal privilege.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Program withdrawals may be subject to </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">negative Daily Adjustments.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Program withdrawals are not subject to </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawal charges, but are subject to income </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">taxes, and may also be subject to a 10% </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">additional federal tax for amounts withdrawn </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">before age 59&#8202;</font><font style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8725;</font><font style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. &#8226;&#8194;State variations may apply.</font></div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;74&#8201;</font></div>
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                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard Benefits (No Additional Charge)</font></div>
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                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</font></div>
                        <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit</font></div>
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                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:188.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</font></div>
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                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Fee</font></div>
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                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:189pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of
                            Restrictions/Limitations</font></div>
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                  <tr style="height:530.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:58.5pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Income</font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit</font></div>
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                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:188.5pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Guaranteed lifetime withdrawal benefit providing </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">for yearly Income Payments until the death of the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Covered Person(s) if conditions are satisfied.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">We base the initial Income Payment on the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lifetime Income Percentage and Contract Value. </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If you choose the Level Income payment option </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and meet the age requirements stated in section </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">10, we guarantee your initial annual maximum </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Income Payment will be at least the Level </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Income Guarantee Payment Percentage </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">multiplied by your total Purchase Payments </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">adjusted for withdrawals.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The automatic annual payment increase feature </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">may increase payments after the Income Benefit </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Date. With Level Income, payments increase if </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Contract Value increases from one Income </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Benefit Anniversary to the next.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Includes the Income Multiplier Benefit for no </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">additional charge that can increase income to </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">help pay for needed care.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Section 10 includes examples of the Lifetime </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Income Percentage Calculation, Excess </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Withdrawals, Income Payment increases, and </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Income Multiplier Benefit.</font></div>
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                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:58pt;">
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                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.70%</font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;">(as a </font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;">percentage of </font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;">the Charge </font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;">Base)</font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:italic;">This rider fee </font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:italic;">is part of the </font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:italic;">Base Contract </font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:italic;">Expenses in </font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:italic;">the Fee </font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-style:italic;">Tables.</font></div>
                      </div>
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                    <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:189pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Benefit cannot be removed before third Index </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Anniversary or after Income Payments have </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">begun.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;See Income Benefit Supplement for current </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">terms.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Benefit only available during the Accumulation </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Phase.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Investment restrictions limit available Index </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Options during Income Period.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Income Period cannot begin until after the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">waiting period and reaching age 50. Income </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Period must begin no later than age 100.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Early and Excess Withdrawals may </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">significantly reduce or end the benefit as </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">indicated in section 10.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">A full Excess Withdrawal and certain partial </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">Excess Withdrawals will
                            cause Income </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">Payments to stop and the
                            Contract </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">and all </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;text-decoration:underline;">of its benefits</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;"> to end.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If you have Contract Value in an Index Option </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">for which the Income Benefit Date is not a </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Term End Date, we will execute a Performance </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Lock for that Index Option if it is not locked and </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">then immediately calculate and begin your </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Income Payments, and in such case the Index </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Option Value will be subject to the Daily </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Adjustment.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Income Payments are subject to income taxes, </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">and may also be subject to a 10% additional </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">federal tax for amounts withdrawn before age </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">59&#8202;</font><font style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8725;</font><font style="color:#000000;font-family:Arial Narrow;font-size:6pt;margin-left:0.0pt;">2</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;No additional Purchase Payments during the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Income Period.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;No Income Percentage Increase before age </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">45.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Availability of joint Income Payments subject to </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">age restrictions.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;The Income Multiplier Benefit is not available </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">in all states as indicated in Appendix F.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Must establish eligibility to exercise the Income </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Multiplier Benefit (e.g., that you are confined </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">for care or unable to perform two activities for </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">daily living) and must re-establish eligibility </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">each year thereafter.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Annuitizing the Contract will end the benefit, </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">but you may be able to annuitize your annual </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">maximum Income Payment.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;State variations may apply.</font></div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
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          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;75&#8201;</font></div>
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                  <tr style="height:17.5pt;">
                    <td colspan="4" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:494.0pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard Benefits (No Additional Charge)</font></div>
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                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</font></div>
                        <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit</font></div>
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                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:188.5pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</font></div>
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                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:58pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Fee</font></div>
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                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:189pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of
                            Restrictions/Limitations</font></div>
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                  <tr style="height:163.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:58.5pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Traditional</font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Death </font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:188.5pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides a death benefit equal to the greater of </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Contract Value, or Guaranteed Death Benefit </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value. The Guaranteed Death Benefit Value is </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">total Purchase Payments adjusted for </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">withdrawals.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An example of the death benefit provided by the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Traditional Death Benefit is included in section </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">11, Death Benefit.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An example of how deduction of financial adviser </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fees impact the death benefit is included in </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">section 1.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The impact of an Excess Withdrawal on the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">death benefit is included in section 10.</font></div>
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                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:58pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">None</font></div>
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                    <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:189pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Benefit only available during the Accumulation </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Phase.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Withdrawals, including any negative Daily </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Adjustments, may significantly reduce the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">benefit as indicated in section 1, Financial </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Adviser Fee Deduction Example, and in the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Excess Withdrawal example in section 10, </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Income Benefit.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Restrictions on Purchase Payments may limit </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the benefit.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Annuitizing the Contract will end the benefit.</font></div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;76&#8201;</font></div>
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                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Standard Benefits (No Additional Charge)</font></div>
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                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</font></div>
                        <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit</font></div>
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                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</font></div>
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                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Fee</font></div>
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                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:189pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of
                            Restrictions/Limitations</font></div>
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                  <tr style="height:475.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:58.5pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Performance</font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Lock and </font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Early </font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Reallocations</font></div>
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                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:188.5pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Performance Lock allows you to capture the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">current Index Option Value during the Term for </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">an Index Option. Performance Lock can help </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">eliminate doubt about future Index performance </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">and possibly limit the impact of negative </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">performance. Early Reallocation allows you to </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">transfer out of a locked Index Option on days </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">other than an Index Anniversary, or a Term End </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Date.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A Performance Lock example is included in </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">section 4, Valuing Your Contract &#8212; Performance </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Locks and Early Reallocations.</font></div>
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                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:58pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">None</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:189pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Available during the Accumulation Phase. Only </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">available during the Annuity Phase if you </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">select Increasing Income and you annuitize </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">your annual maximum Income Payment.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Performance Locks must be executed before </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the Term End Date.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If a Performance Lock is executed, the locked </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Index Option will no longer participate in Index </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">performance (positive or negative) for the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">remainder of the Term, and will not receive a </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Performance Credit on the Term End Date.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;You will not know your locked Index Option </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Value in advance.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;The locked Index Option Value will reflect a </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Daily Adjustment.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If a Performance Lock is executed when Daily </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Adjustment has declined, it will lock in any </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">loss.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;A Performance Lock can be executed only </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">once each Term for each Index Option.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Cannot execute a Performance Lock for only a </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">portion of the Index Option Value.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Early Reallocation requests are not accepted </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">within 14 calendar days before an Index </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Anniversary, and are limited to two Early </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Reallocation requests each Index Year.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Deductions (e.g. withdrawals, fees) decrease </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the locked Index Option Value.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Cannot transfer locked Index Option Value until </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the next Index Anniversary that occurs on or </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">immediately after the Lock Date&#160;unless you </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">execute an Early Reallocation.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#8226;&#8194;We will not provide advice or notify you </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">regarding whether you should execute a </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Performance Lock or Early Reallocation or
                          </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">the optimal time for doing so.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#8226;&#8194;We will not warn you if you execute a </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Performance Lock or Early Reallocation at
                          </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">a sub-optimal time.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#8226;&#8194;We are not responsible for any losses </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">related to your decision whether or not to
                          </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">execute a Performance Lock or Early </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Reallocation.</font></div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;77&#8201;</font></div>
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            <div style="line-height:0.0pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;margin-left:7.34pt;">&#8195;</font></div>
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                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:5pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;"> Benefits</font></div>
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                        <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:11pt;"> </font></div>
                        <div style="margin-left:5pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Benefit</font></div>
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                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Purpose</font></div>
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                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Fee</font></div>
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                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left:4.75pt;margin-right:5pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of
                            Restrictions/Limitations</font></div>
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                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:58.5pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum </font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Anniversary </font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Value Death </font></div>
                        <div style="margin-left: 5pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit</font></div>
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                    <td style="border-right:0.5pt solid #000000;padding-bottom:2.5pt;padding-top:2.625pt;vertical-align:Top;width:188.5pt;">
                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provides a death benefit equal to the greater of </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Contract Value, or Guaranteed Death Benefit </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Value. The Guaranteed Death Benefit Value is </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the Maximum Anniversary Value.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An example of the death benefit provided by the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Maximum Anniversary Value Death Benefit, and </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">calculation of the Maximum Anniversary Value is </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">included in section 11, Death Benefit.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">An example of how deduction of financial adviser </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">fees impact the death benefit is included in </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">section 1.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The impact of an Excess Withdrawal on the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 4.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">death benefit is included in section 10.</font></div>
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                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">0.20%</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:11pt;"> </font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;">(as a </font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;">percentage of </font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;">the Charge </font></div>
                        <div style="margin-left:4.75pt;margin-right:4.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;">Base)</font></div>
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                      <div style="line-height:11pt;text-align:left;">
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Must be age 75 or younger to elect.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Can only be added to a Contract at issue.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Replaces the Traditional Death Benefit if </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">elected.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Benefit cannot be removed from the Contract.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Only available during the Accumulation Phase.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Withdrawals, including any negative Daily </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Adjustment, may significantly reduce the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">benefit as indicated in section 1, Financial </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Adviser Fee Deduction Example, and in the </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Excess Withdrawal example in section 10, </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Income Benefit.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Withdrawals reduce the likelihood of lock in.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Investment restrictions during the Income </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Period may limit the benefit.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Restrictions on Purchase Payments may limit </font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the benefit.</font></div>
                        <div style="margin-left: 4.75pt; margin-right: 5pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Annuitizing the Contract will end the benefit.</font></div>
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              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 16.0pt; position: relative; top: -2pt; width: 494pt;"><font style="color: #000000; font-size: 11pt; text-transform: lowercase;">10.</font><font style="color: #000000; font-size: 11pt; line-height: 13pt; text-transform: uppercase;">&#8194;</font><font style="color: #000000; font-size: 11pt; text-transform: uppercase;">Income Benefit</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Income Benefit is automatically included in your Contract at issue, but you can remove it after three years if Income Payments have not begun.&#160;</font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">If you remove the Income Benefit
                  you will have paid for the benefit without receiving any of its advantages</font><font style="color: #000000; font-family: Times New Roman;">. It provides guaranteed lifetime Income Payments based on a percentage of your Contract Value until annuitization. Once the Income Payment waiting period has expired, Income Payments can begin as early as age 50 or as late as age 100.
                  Unlike Annuity Payments, the Income Benefit allows access to your Contract Value and death benefit for a period of time after Income Payments begin. However,
                  once Income Payments begin only the Index Options with the Index Protection Strategy with Trigger and Index Protection Strategy with Cap are available to you.
                  If you have Contract Value in any of the Index Options with the Index Dual Precision Strategy,&#160;Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy, you must transfer this Contract Value to the Index Options with the Index Protection Strategy with Trigger or Index Protection Strategy with Cap when you request Income Payments. The Income Benefit has a rider fee as
                  discussed in the Fee Tables, and section 6, Expenses. The Income Benefit also includes the Income&#160;Multiplier&#160;Benefit for no&#160;additional&#160;charge, which can
                  increase the annual maximum Income Payment after the required wait period to help pay for care if you should need it.</font></div>
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              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Removing the Income Benefit</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If you no longer want or need the benefits provided by the Income Benefit, you can remove it from your Contract on or after the third Index Anniversary and before Income Payments begin if your Contract Value is positive. You can remove the Income Benefit by completing the appropriate form. We remove this benefit from your Contract on the Index Anniversary (or on
                  the next Business Day if the Index Anniversary is not a Business Day) that occurs immediately after we receive your request in Good Order at our Service
                  Center, and the rider termination date is that Index Anniversary. Your request is in Good Order if we receive this form no earlier than 30 calendar days
                  before an Index Anniversary, but no later than five Business Days before the Index Anniversary. If we receive your request outside this time period, we ask
                  you to resubmit it for the next Index Anniversary.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
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            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If you remove the Income Benefit, we stop assessing the Income Benefit rider fee and we deduct the final rider fee on the rider termination date. You cannot remove the Income Benefit on or after the Income Benefit Date (the date you begin receiving Income Payments and the Income Period begins). </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">If you remove the Income Benefit you
                  will have paid for the benefit without receiving any of its advantages.</font></div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;78&#8201;</font></div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">How the Income Benefit Works</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We designed Income Payments to last for the lifetime of the </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Covered Person(s)</font><font style="color: #000000; font-family: Times New Roman;">. Covered Person(s) are based on the Eligible Person(s) and the Income Payment type you select on the Income Benefit Date. We establish </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Eligible Person(s)</font><font style="color: #000000; font-family: Times New Roman;"> at issue based on the Contract&#8217;s ownership and tax qualification status.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We generally base Income Payments on the Lifetime Income Percentage and your Contract Value. However, it is possible in periods of extremely low return that the Level Income Guarantee Payment Percentage could result in a higher initial Income Payment. In those circumstances we base Income Payments on total Purchase Payments adjusted for withdrawals instead of
                  Contract Value. We base each Lifetime Income Percentage on its </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Income Percentage(s)</font><font style="color: #000000; font-family: Times New Roman;"> and </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Income Percentage
                  Increase</font><font style="color: #000000; font-family: Times New Roman;"> (the amount that each Income Percentage can increase on each Index Anniversary up to and including the Income Benefit Date). On the Index Effective Date we establish:</font></div>
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                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman;">An Income Percentage for each payment type using the Eligible Person&#8217;s current
                    age, or younger Eligible Person&#8217;s current age for joint payments. This Income Percentage is also the initial Lifetime Income Percentage for each payment type.</font></div>
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                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">An Income Percentage Increase for each Eligible Person based on their current
                    age (or younger Eligible Person&#8217;s current age for joint payments). However, if there are two Eligible Person(s) the Index Options Statement will not display a single Lifetime Income Percentage for an Eligible Person who is only a Beneficiary, because only an Eligible Person who is also an Owner (or Annuitant if the Owner is a non-individual) can become a Covered Person if you select single payments.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">During the Accumulation Phase on each Index Anniversary on and before the Income Benefit Date, we add an Income Percentage Increase to each Lifetime Income Percentage once the Eligible Person (or younger Eligible Person for joint payments) reaches age 45. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">This means if an Eligible Person is younger than age 44 on the Issue
                  Date:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">you will not receive an increase to a
                    Lifetime Income Percentage based on that Eligible Person until the Index Anniversary that the Eligible Person (or younger
                    Eligible Person for joint payments) reaches age 45, and</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">you will pay a rider fee during the period
                    you are not eligible for an Income Percentage Increase.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The table showing the Income Percentages and Income Percentage Increases is stated in the Income Benefit Supplement. Additional Purchase Payments we receive after the Index Effective Date will adjust each Lifetime Income Percentage on the next Index Anniversary based on:</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the Income Percentage for the Eligible Person&#8217;s current age, and</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the Variable Account Value&#8217;s percentage of total Contract Value.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If we receive additional Purchase Payments after the Eligible Person reaches age 45, these Purchase Payments will increase the available Income Payment because they increase the Contract Value, although they actually decrease each Lifetime Income Percentage. Please see the Lifetime Income Percentage Calculation Example later in this section.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Then when you are ready to take Income Payments, you can choose which Lifetime Income Percentage we use to calculate your payment. You will always be able to choose between Lifetime Income Percentages for the Level Income and Increasing Income payment options. However, once Income Payments begin you cannot change your payment option. </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Level
                  Income</font><font style="color: #000000; font-family: Times New Roman;"> provides an automatic annual increase to your Income Payments if your Contract Value increases from one Income Benefit Anniversary to the next. If you choose the Level Income payment option and meet certain age requirements, your initial Income Payment will not be less than a percentage </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(Level Income Guarantee Payment Percentage)</font><font style="color: #000000; font-family: Times New Roman;"> of your total Purchase Payments reduced proportionately for
                  withdrawals you took &#160;(including any withdrawal charge). All withdrawals you take reduce your total Purchase Payments, even Penalty-Free Withdrawals&#160;and financial adviser fees that you choose to have us pay from this Contract. However, we do not reduce your total Purchase Payments for deductions we make for Contract fees and expenses. </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Increasing Income</font><font style="color: #000000; font-family: Times New Roman;"> provides Income Payment increases on each Income Benefit Anniversary during the Income
                  Period if your selected Index Option(s) receives a positive Performance Credit, or you execute&#160;a Performance Lock during the prior Income Benefit Year.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If there are two Eligible Person(s) who both meet the exercise age requirements, you will also be able to choose between Lifetime Income Percentages for single and joint payments. If both Eligible Persons are also Owners, you will also be able to choose between single Lifetime Income Percentages based on each Eligible Person. The Lifetime Income Percentages available before the Income Benefit Date are displayed on the Index Options Statement. During the Income Period this statement will
                  show the annual maximum Income Payment available for the next year. The annual maximum Income </font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;79&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
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          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">Payment displayed for the Level Income payment option will reflect the Level Income Guarantee Payment Percentage if this calculation results in a greater payment and you meet the age requirements stated under &#8220;Calculating Your Income Payments&#8221; later in this section.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">There are restrictions on which Eligible Person can become a Covered Person if you select single Income
                  Payments. Joint Income Payments are not available if the age difference between spouses is more than 50 years (for more information see section 2, Eligible Person(s) and Covered Person(s)).</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Income Payments are not available until the Index Anniversary that occurs on or after the Income Payment waiting period (which is stated in the Income Benefit Supplement) expires and the Eligible Person(s) reaches age 50. Income Payments must begin no later than age 100. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">If you do not begin Income Payments during the eligibility
                  period, the Income Benefit ends and you will have paid for the benefit without receiving any of its advantages. In
                  addition, before the Income Period you are paying for a benefit that you are not currently using.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">You choose your Income Payment frequency and amount subject to the annual maximum permitted payment. The payment option (Level Income or Increasing Income) you select determines how and when your annual maximum Income Payment will increase from one Income Benefit Anniversary to the next as described in &#8220;Automatic Annual Income Payment Increases&#8221; later in this
                  section.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">We use Contract Value to calculate your initial annual maximum Income Payment, and Income Payment increases under the Level Income payment option.</font><font style="color: #000000; font-family: Times New Roman;"> Negative Index Option performance,
                  withdrawals you take&#160;(including any financial adviser fees that you choose to have us pay from this Contract), and deductions we make for Contract fees&#160;or expenses decrease the Contract Value, which reduces the initial annual maximum Income Payment available to you, and the likelihood you will receive Income Payment increases if you select the Level Income payment option. Once established, the annual
                  maximum Income Payment can only decrease if you take an Excess Withdrawal. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">A full Excess Withdrawal and certain partial Excess Withdrawals will cause Income Payments to stop and the Contract </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold; text-decoration: underline;">and all of its benefits</font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;"> to end.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Income Benefit also includes the Income Multiplier Benefit which, after the required wait period, can increase your income to help pay for care if you should need it. If you qualify for this benefit, we multiply your annual maximum Income Payment by the income multiplier factor. The income multiplier factor and income multiplier benefit wait period are stated in the Income Benefit Supplement. The Income Multiplier Benefit is not available in all states as indicated in Appendix F.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z6ad760d7de344e24821f308f5e31ec83" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:38pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:4.15pt;">YOU SHOULD NOT PURCHASE THIS CONTRACT WITHOUT FIRST OBTAINING THE CURRENT </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">INCOME BENEFIT SUPPLEMENT.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> We publish any changes to the Income Benefit Supplement at least seven </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">calendar days before they take effect on our
                            website at </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">www.allianzlife.com/RILAincomerates.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">Please discuss the Income Benefit&#8217;s appropriateness with your Financial Professional and tax adviser.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:12pt;text-align:left;">
              <div style="margin-top:12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">During the Income Period</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman;">You will receive Income Payments as long as a Covered Person is alive and
                    continues to meet the requirements stated in section 2. However, </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Income Payments and the Income Benefit may end prematurely if you:</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">change the Owner(s) or Beneficiary and all Covered Persons are removed from
                    the Contract because they no longer meet the requirements stated in section 2,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">take an Excess Withdrawal that reduces the Contract Value to $2,000 or less,
                    or</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">you annuitize your Contract. However, </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">we can convert your Income Payment to Annuity Payments as described in section 8, The Annuity Phase &#8211; When Annuity Payments Begin.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">If you begin Income Payments before age 59</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;font-weight:bold;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;font-weight:bold;">2</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">, the payments may be subject to a 10% additional federal
                    tax.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Any part of your annual maximum Income Payment that you do not withdraw in a
                    given Income Benefit Year remains in your Contract for the remainder of that year, but is not added to the annual maximum payment available next year.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Excess Withdrawals reduce your annual maximum Income Payment by the
                    percentage of Contract Value withdrawn&#160;(including any withdrawal charge) on the next Income Benefit Anniversary.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman;">You cannot make additional Purchase Payments. If your Contract includes the
                    Traditional Death Benefit your Guaranteed Death Benefit Value no longer increases.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman;">The Contract Value continues to fluctuate as a result of Index Option
                    performance. However, only the Index Protection Strategy with Trigger and Index Protection Strategy with Cap are available to you. This may limit your
                    Contract&#8217;s performance potential, and if your Contract includes the Maximum Anniversary Value Death Benefit, this may also limit your Guaranteed Death Benefit Value.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;80&#8201;</font></div>
          </div>
        </div>
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      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
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          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div>
              <div style="clear:both;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The Contract Value decreases on a dollar for dollar basis with each Income
                    Payment, Excess Withdrawal&#160;(including any financial adviser fees that you choose to have us pay from this Contract), and deductions we make for Contract
                    fees and expenses. If your Contract includes the Maximum Anniversary Value Death Benefit, this decrease in Contract Value also reduces the likelihood of locking in investment gains to the Maximum Anniversary Value.</font></div>
              </div>
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            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman;">Each Income Payment and any Excess Withdrawal&#160;(including any financial adviser
                    fees that you choose to have us pay from this Contract) also reduces your Guaranteed Death Benefit Value and the Charge Base used to calculate product and rider fees by the percentage of Contract Value withdrawn &#160;(including any withdrawal charge)</font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">, which means these values may be reduced by more than the
                    amount withdrawn</font><font style="color: #000000; font-family: Times New Roman;">.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The Income Benefit rider fee continues until the Business Day the Contract
                    Value reduces to zero, you annuitize the Contract, or the Income Benefit ends.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">If your Contract also includes the Maximum Anniversary Value Death Benefit,
                    its rider fee continues as indicated in section 6, Expenses.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The free withdrawal privilege is no longer available.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">If you exercise the Income Multiplier Benefit, we will increase your annual
                    maximum Income Payment for the remainder of that Income Benefit Year and the next year. To continue receiving this increase each Income Benefit Year you must reestablish eligibility.&#160;</font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Any increase to your
                    Income Payments as a result of this benefit will more rapidly reduce your Guaranteed Death Benefit Value.&#160;&#160;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">If your Contract Value reduces to zero during the Income Period for any
                    reason other than an Excess Withdrawal or annuitization that does not convert your Income Payments to Annuity Payments, you will continue to receive your maximum available Income Payment at the previous selected payment frequency until the earlier of the death of the Owner or last surviving Covered Person. If you exercised the Income Multiplier Benefit, it will end on the Income Benefit Anniversary
                    that occurs on or immediately after your Contract Value reduces to zero. This means that you will no longer receive the increased annual maximum Income
                    Payment provided by this Benefit; however, you will continue to receive the maximum available Income Payment, which will be less than the amount you
                    previously received under the Income Multiplier Benefit.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Income Payments made while Contract Value
                    is greater than zero are payments made from your own money, and the chance of Contract Value being reduced to zero and
                    receiving lifetime Income Payments from us may be minimal.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.0pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">An example of the effect of an Excess Withdrawal on the Guaranteed Death Benefit Value and the annual
                  maximum Income Payment is included later in this section.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Requesting Income Payments</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">You request Income Payments by completing a payment election form. We must receive your Income Payment election form in Good Order at our Service Center no later than five Business Days before the Income Benefit Date. At least one Eligible Person must remain in the Contract and be alive on the Income Benefit Date in order for Income Payments to begin. Joint
                  payments are only available if there are two Eligible Persons on the Income Benefit Date. If you have Contract Value in any of the Index Options with the
                  Index Dual Precision Strategy,&#160;Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy, you must transfer this Contract Value to the
                  Index Options with the Index Protection Strategy with Trigger or Index Protection Strategy with Cap when you request Income Payments. In addition, your Income
                Benefit Date must be on an Index Anniversary. If you have Contract Value in an Index Option and the Income Benefit Date is not also a Term End Date for that Index Option, we will execute a Performance Lock for that Index Option if it is not locked and then immediately calculate and begin your Income Payments, and in such case the Index Option Value will be subject to the Daily Adjustment. If you have Index Options with different Term End Dates, there may be no Income Benefit Date
                  you can select without application of at least one Daily Adjustment. For the Index Protection Strategy with Trigger or Index Protection Strategy with Cap
                  Index Options we will execute this Performance Lock even if the Daily Adjustment is zero.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We will send you a notice letter at least 30 days before:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the Index Anniversary that Income Payments can begin once the Eligible
                    Person(s) reaches age 50,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the last Index Anniversary that joint Income Payments will be available
                    because the older Eligible Person is reaching age 100 if there are two Eligible Persons, and</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the last Index Anniversary that Income Payments will be available because the
                    younger Eligible Person is reaching age 100.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;81&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_10"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="zfa82ff94835148d8a7273d43e6cbec7b" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:26pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.15pt;">If Income Payments do not begin by the Index Anniversary upon which the younger Eligible Person reaches </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">age 100, the Income Benefit ends.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:24pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">If the Income Benefit ends before Income Payments begin, you will have paid for the benefit without receiving </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">any of its advantages.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:12pt;text-align:left;">
              <div style="margin-top:12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Calculating Your Income Payments</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The annual maximum Income Payment is the amount you are entitled to receive each Income Benefit Year. On the Income Benefit Date, if you select the Level Income payment option and all Covered Persons are age 80 or younger (and were age 75 or younger on the Issue Date) your initial annual maximum Income Payment is the greater of the following:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The Level Income Guarantee Payment Percentage based on the Covered Person&#8217;s
                    current age (or the younger Covered Person&#8217;s current age for joint payments) multiplied by total Purchase Payments reduced for withdrawals you took. Withdrawals reduce total Purchase Payments by the percentage of Contract Value withdrawn&#160;(including any withdrawal charge), determined at the end of each Business Day. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">All withdrawals you take reduce
                    your total Purchase Payments, even Penalty-Free Withdrawals&#160;and financial adviser fees that you choose to have us pay
                    from this Contract. However, we do not reduce your total Purchase Payments for deductions we make for Contract fees and expenses.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The Lifetime Income Percentage for the payment type you select multiplied by
                    the Contract Value determined at the end of the Business Day after we deduct the product fee, rider fee, and contract maintenance charge and apply any Performance Credits, but before we make any Income Payments or Excess Withdrawals (including any financial adviser fees that you choose to have us pay from this Contract).</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If the Covered Persons do not meet these age requirements (age 80 or younger on the Income Benefit Date, and age 75 or younger on the Issue Date), or if you select the Increasing Income payment option, we instead calculate your initial annual maximum Income Payment as stated in the second bullet above (the Lifetime Income Percentage for the payment type you select multiplied by the Contract Value determined at the end of the Business Day after we deduct the product fee, rider fee, and
                  contract maintenance charge and apply any Performance Credits, but before we make any Income Payments or deduct Excess Withdrawals).</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="zc035255b71a146dcae8b1beb2d8a8bfd" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:86pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.15pt;">If you have Contract Value in an Index Option for which the Income Benefit Date is not a Term End Date, we </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">will execute a Performance Lock for that
                            Index Option if it is not locked and then immediately calculate and </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">begin your Income Payments, and in such case
                            the Index Option Value will be subject to the Daily Adjustment. </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">If you have Index Options with different
                            Term End Dates, there may be no Income Benefit Date you can select </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">without application of at least one Daily
                            Adjustment. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">This means you may not receive the full benefit of the </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">Performance Credit that
                            you would have received if you had waited until the Term End Date to begin Income </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">Payments.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:60pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">We use Contract Value to calculate your initial annual maximum Income Payment, and Income Payment increases </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">under the Level Income payment option. Negative Index Option
                            performance, withdrawals you take&#160;(including any </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">financial adviser fees that you choose to have us pay from
                            this Contract), and deductions we make for Contract fees </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">and expenses decrease the Contract Value, which reduces the
                            initial annual maximum Income Payment available to </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">you, and the likelihood you will receive Income Payment
                            increases if you select the Level Income payment option.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;82&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
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      <div><a name="xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_11"></a>
        <div style="page-break-after:always;position:relative;">
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          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold;">Level Income Guarantee Payment Percentage Table</font><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;">&#8195;</font></div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z97b5040b1c444c8794658e0de165aa09" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:115pt;width:264pt;">

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                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Covered Person&#8217;s age</font></div>
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(or younger Covered Person&#8217;s age for </font></div>
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">joint payments)</font></div>
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">on the Income Benefit Date</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Level Income Guarantee</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;line-height:10pt;"> </font></div>
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Payment Percentage</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">50</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.23</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">51</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.28</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">52</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.33</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">53</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.39</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">54</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.44</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">55</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.50</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">56</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.57</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">57</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.64</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">58</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.71</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">59</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.78</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">60</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.86</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">61</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">2.95</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">62</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">3.04</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">63</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">3.13</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">64</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">3.23</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">65</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">3.34</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">66</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">3.45</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">67</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">3.58</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">68</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">3.71</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">69</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">3.85</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">70</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">4.00</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">71</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">4.17</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">72</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">4.35</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">73</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">4.55</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">74</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">4.77</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">75</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">5.00</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">76</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">5.27</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">77</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">5.56</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">78</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">5.89</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">79</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">6.25</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:10.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">80</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:14.77pt;">
                          <div style="display:flex;white-space:nowrap;width:14.77pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:14.77pt;">6.67</font></div>
                          <div style="display:flex;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:9pt;text-align:left;">
              <div style="margin-top:9pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">On the Income Benefit Date, if your initial annual maximum Income Payment is less than $100, the Income Benefit ends and you will have paid for the benefit without receiving any of its advantages.</font><font style="color: #000000; font-family: Times New Roman;"> For example, assuming a 4% Lifetime Income Percentage and Contract Value less than $2,500, this would result in an initial annual
                  maximum Income Payment of less than $100.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">You can receive Income Payments monthly, quarterly, semi-annually, or annually. If the scheduled payment date does not fall on a Business Day, we make the payment on the next Business Day.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">You can change your payment frequency once each Income Benefit Year while your Contract Value is positive. We must receive your request to change your Income Payment frequency in Good Order at our Service Center no later than five Business Days before the Income Benefit Anniversary. If the change is available, we implement it on the Income Benefit Anniversary and
                  it remains in effect until the benefit ends or you request another change. We do not accept payment frequency changes that would cause us to make payments of
                  $0.01 to $99.99.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The annual maximum Income Payment is the amount you are entitled to, but you can choose to take less. The annual actual Income Payment is the total amount you choose to receive each year. Each scheduled Income Payment you receive is equal to the annual actual Income Payment divided by the number of payments you chose to receive during the Income Benefit Year. Each
                  scheduled Income Payment must either be zero, or $100 or more. For example, you cannot request a scheduled payment of $50.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Any part of your annual maximum payment that you do not withdraw in a given Income Benefit Year is not added to the annual maximum payment available next year. However, if your actual Income Payment is less than your annual maximum payment, you can withdraw the difference and we consider that withdrawal to be an additional actual Income Payment, and </font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;83&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_12"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">not an Excess Withdrawal and not subject to a withdrawal charge. We do not consider a withdrawal to be an Excess Withdrawal until you have withdrawn the available annual maximum Income Payment amount. In addition, once we have paid out your annual maximum Income Payment&#160;we will not make any further scheduled Income Payments for the rest of the Income Benefit
                Year.&#160;For example, assume your annual maximum Income Payment is $2,000 and you take scheduled semi-annual Income Payments of $500. Within an Income Benefit
                Year, you can take an additional withdrawal of up to $1,000 and we consider that to be an additional scheduled Income Payment. If instead you withdraw $1,200
                after receiving the first $500 payment, we consider that withdrawal to be an additional scheduled Income Payment. On the date of the next scheduled Income Payment we will send you only $300 because that is the amount remaining from your $2,000 annual maximum. If you then took an additional withdrawal of $200 in that Income Benefit Year, we consider that $200 to be an Excess Withdrawal
                subject to a withdrawal charge.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If you would like to take less than the maximum available payment, you can change your payment amount once each Income Benefit Year while your Contract Value is positive. We must receive your request to change your Income Payment amount in Good Order at our Service Center no later than five Business Days before the Income Benefit Anniversary. If the change is
                  available, we implement it on the Income Benefit Anniversary and it remains in effect until the Income Benefit ends or you request another change.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If on a Business Day that we are deducting an Income Payment your Contract Value is less than the payment amount, we will add the difference between these amounts to your Contract Value and then deduct the Income Payment which will reduce your Contract Value to zero. If your Contract Value reduces to zero during the Income Period for any reason other than an Excess
                  Withdrawal or annuitization that does not convert your Income Payments to Annuity Payments, you will continue to receive your maximum available Income Payment
                  at the previous selected payment frequency until the earlier of the death of the Owner or last surviving Covered Person. If you select Increasing Income you
                  can continue to receive payment increases based on Index Option performance. However, if you select Level Income your Income Payments will no longer increase.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We deduct each Income Payment, Excess Withdrawal, and any additional payment resulting from a required minimum distribution, proportionately from the Index Options. While the Contract Value is positive you can make transfers between the Index Options and execute Performance Locks and Early Reallocations. If you select Increasing Income, once the Contract Value reduces to zero you can continue to change your Index Option allocations and execute Performance Locks and Early
                  Reallocations as long as the Income Benefit is in effect.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="za3e01c8ac2b34321a8fe3480175bdeee" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:62pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:4.15pt;">For Qualified Contracts:</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> If we calculate a required minimum distribution
                            (RMD) based on this Contract, after </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">making all Income Payments for the calendar year we determine
                            whether this calendar year&#8217;s total RMD has been </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">satisfied by these payments and any Excess Withdrawals. If
                            the RMD amount for this Contract has not been satisfied, </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">we send you this remaining amount as one RMD payment by the
                            end of the calendar year. We consider this payment </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">to be a withdrawal, but it is not an Excess Withdrawal and it
                            is not subject to a withdrawal charge.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:72pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:1.9pt;">For annuitization:</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> If on the Annuity Date you are receiving Income
                            Payments and your Contract Value is positive, </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">we will convert your Income Payments to Annuity Payments if
                            you take Annuity Payments under Annuity Option B </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">or F. If you select any other Annuity Option, we will not
                            convert your Income Payments to Annuity Payments. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">This </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">means that if you annuitize your Contract
                            you may receive less as Annuity Payments than you would have </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:14pt;">received as Income Payments.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;"> For more information, see section 8, The Annuity Phase &#8211; When Annuity Payments </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Begin.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:12pt;text-align:left;">
              <div style="margin-top:12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Lifetime Income Percentage Calculation Example</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Assume you are the sole Owner, you are not married, and your initial Purchase Payment is $20,000. You only select 1-year Term Index Options. You are not married so you are also the only Eligible Person. The Income Payment waiting period is three Index Years. On the Index Effective Date you are age 54, your Income Percentage Increase is 0.25%, and your initial Lifetime
                  Income Percentages are equal to the Income Percentages for single payments, which are 4.20% for Level Income, and 3.20% for Increasing Income. You take no
                  withdrawals before requesting Income Payments.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">On the first Index Anniversary we apply your first Income Percentage Increase. Your new Lifetime Income Percentages for single payments are 4.45% (4.20% + 0.25%) for Level Income and 3.45% (3.20% + 0.25%) for Increasing Income.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Assume you make an additional Purchase Payment of $2,000 in the fourth Index Year. On the fourth Index Anniversary:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">you are age 58 and the Income Percentages are 4.60% for Level Income, and
                    3.60% for Increasing Income,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the Variable Account Value for the additional Purchase Payment is now
                    $2,002.50, and</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;84&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_13"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div>
              <div style="clear:both;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the Contract Value after application of the additional Purchase Payment,
                    Performance Credits and </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">before</font><font style="color: #000000; font-family: Times New Roman;">
                    deducting all Contract fees and expenses is $25,000.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We calculate your new Lifetime Income Percentages for single payments on the fourth Index Anniversary as follows.</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Lifetime Income Percentages for the initial Purchase Payment are now 5.20%
                    (4.20% + (0.25% x 4)) for Level Income and 4.20% (3.20% + (0.25% x 4)) for Increasing Income.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman;">Lifetime Income Percentages for the additional Purchase Payment are 4.60% for
                    Level Income and 3.60% for Increasing Income.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The Variable Account Value&#8217;s percentage of total Contract Value is 8.01%
                    ($2,002.50 &#247; $25,000), which means the initial Purchase Payment is 91.99% of total Contract Value (100% - 8.01%).</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The final Lifetime Income Percentages on the fourth Index Anniversary are then:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">for Level Income: (5.20% x 91.99%) + (4.60% x 8.01%) = 4.78% + 0.37% = 5.15%</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">for Increasing Income: (4.20% x 91.99%) + (3.60% x 8.01%) = 3.86% + 0.29% =
                    4.15%</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If you begin Income Payments on the fourth Index Anniversary we calculate the annual maximum Income Payment as follows.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="ze466e8f4c8b84a919ee954c63f8118ce" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:13.5pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:247pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">If you select Level Income, you receive the
                            greater of&#8230;.</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:247pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">If you select Increasing Income, you
                            receive&#8230;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:61.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:247pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Level Income Guarantee Payment Percentage multiplied by </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">total Purchase Payments reduced proportionately for </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawals you took, or: </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(2.71% x $22,000) = $596.20</font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Lifetime Income Percentage multiplied by the Contract Value, </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">or: (5.15% x $25,000) = </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$1,287.50</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:247pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Lifetime Income Percentage multiplied by the Contract Value, </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">or: (4.15% x $25,000) = </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$1,037.50</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:9pt;text-align:left;">
              <div style="margin-top:9pt;"><font style="color: #000000; font-family: Times New Roman;">We apply the Level Income Guarantee Payment Percentage in this calculation because you were 75 or younger when you purchased the Contract and are age 80 or younger on the Income Benefit Date. On the Income Benefit Date your Level Income Guarantee Payment Percentage based on your current age of 58 is 2.71%, and your total Purchase Payments reduced proportionately
                  for withdrawals is $22,000 (your $20,000 initial payment plus the $2,000 we received in the fourth Index Year). The annual maximum Income Payment calculation
                  and Level Income Guarantee Payment Percentage are discussed in &#8220;Calculating Your Income Payments&#8221; next in this section.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If you had not made the additional Purchase Payment your Lifetime Income Percentages would have been higher (5.20% compared to 5.15% for Level Income, and 4.20% compared to 4.15% for Increasing Income), but the available annual maximum Income Payment would be lower because the Contract Value would not include the increase from the additional Purchase Payment.
                  If you had not made the additional Purchase in the fourth Index Year your Contract Value would have been $22,997.50 ($25,000 - $2,002.50) and we calculate
                  your annual maximum Income Payment as follows.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="ze055889d401a4c93a14b0e5d7a270c6c" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:13.5pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:247pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">If you select Level Income, you receive the
                            greater of&#8230;.</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:247pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">If you select Increasing Income, you
                            receive&#8230;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:61.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:247pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Level Income Guarantee Payment Percentage multiplied by </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">total Purchase Payments reduced proportionately for </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">withdrawals you took, or: </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(2.71% x $20,000) = $542.00</font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Lifetime Income Percentage multiplied by the Contract Value, </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">or: (5.20% x $22,997.50) = </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$1,195.87</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:247pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Lifetime Income Percentage multiplied by the Contract Value, </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">or: (4.20% x $22,997.50) = </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$965.90</font></div>
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              <div style="margin-top:12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold;">Example of when the Level Income Guarantee Payment Percentage may increase the initial Income Payment</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Assume you are the sole Owner, you are not married, and your initial Purchase Payment is $100,000. You are age 65 on the Index Effective Date and your initial Income Percentage under Level Income is 5.70% with a 0.40% Income Percentage Increase. You take no withdrawals before requesting Income Payments. You begin Income Payments on the </font></div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;85&#8201;</font></div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">fifth Index Anniversary and select the Level Income payment option. On the Income Benefit Date you are age 70, your Lifetime Income Percentage is 7.70% and your Level Income Guarantee Payment Percentage is 4.00%.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
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              <table cellspacing="0" cellpadding="0" id="zdd6c32030c914e2591b2470daa638c65" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

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                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:247pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">When it </font><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">increases</font><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> the initial Income Payment</font></div>
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                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:247pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;">When it does </font><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;text-decoration:underline;">not</font><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.0pt;"> increase the initial Income Payment</font></div>
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                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:247pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Assume your Contract Value decreases to $50,000 due to </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">negative performance. You would receive the greater of:</font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Level Income Guarantee Payment Percentage multiplied </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">by total Purchase Payments reduced proportionately for </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">withdrawals you took, or: </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(4.00% x $100,000) = </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$4,000.00</font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9.0pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lifetime Income Percentage multiplied by the Contract </font></div>
                        <div style="margin-left: 6pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Value, or: (7.70% x $50,000) = $3,850</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:247pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Assume your Contract Value decreases to $70,000 due to </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">negative performance. You would receive the greater of:</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Level Income Guarantee Payment Percentage multiplied </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">by total Purchase Payments reduced proportionately for </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">withdrawals you took, or: </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(4.00% x $100,000) = $4,000.00</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:9pt;">&#8211;&#8194;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Lifetime Income Percentage multiplied by the Contract </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:18.12pt;">Value, or: (7.70% x $70,000) = </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">$5,390</font></div>
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            <div style="line-height:12.0pt;margin-top:9pt;text-align:left;">
              <div style="margin-top:9pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Please note that these examples may differ from your actual results due to rounding.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Excess Withdrawals</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Excess Withdrawals include any applicable withdrawal charge, but do not include RMD payments, or&#160;amounts we deduct for other Contract fees and expenses. Any partial Excess Withdrawal must be for at least $100, and after the partial Excess Withdrawal the Contract Value must be at least $2,000. If the Contract Value is less than $2,000, you cannot request a partial Excess Withdrawal, but you can take a full Excess Withdrawal. If a partial Excess Withdrawal reduces the Contract Value to
                  less than $2,000, we require you to take a full Excess Withdrawal. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">A full Excess Withdrawal will cause Income Payments to stop and the Contract </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold; text-decoration: underline;">and all of its benefits</font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;"> to end. We will
                  not provide a warning before you take an Excess Withdrawal, and there will be no opportunity to undo an Excess Withdrawal.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Excess Withdrawals reduce your annual maximum Income Payment on the next Income Benefit Anniversary after the withdrawal. For each Excess Withdrawal, we reduce your annual maximum payment by the same percentage that we reduced the Contract Value. </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">If partial Excess Withdrawals reduce your annual maximum Income Payment to less than $100, we send you the Cash&#160;Value,</font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">
                  which will cause Income Payments to stop and the Contract to end</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Excess Withdrawal Example</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">These calculations show the effects of an Excess Withdrawal on the Contract Value, available Guaranteed Death Benefit Value, and Income Payments. Partial Excess Withdrawals (including any withdrawal charges, but not amounts we withdraw for other Contract fees and expenses) immediately reduce the Contract Value on a dollar for dollar basis, and reduce the
                  Guaranteed Death Benefit Value by the percentage of Contract Value withdrawn. Partial Excess Withdrawals also reduce the annual maximum Income Payment by the
                  percentage of Contract Value withdrawn on the next Income Benefit Anniversary. (The impact of withdrawals, including Excess Withdrawals, on the Charge Base is
                  included in Appendix C - Annual Contract Fees Calculation Examples.)</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The example assumes an Excess Withdrawal of $5,000 to pay financial adviser fees when the Contract Value is $100,000, and the Guaranteed Death Benefit Value under the Traditional Death Benefit is $90,000, or $105,000 under the Maximum Anniversary Value Death Benefit. All fractional numbers in these examples have been rounded up to the next whole number.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
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              <div style="margin-top:7pt;"> </div>
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              <table cellspacing="0" cellpadding="0" id="zfc69f2ee417145098dfb05e9abaccd85" style="empty-cells:show;width:494pt;">

                  <tr style="height:51pt;">
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:123.97pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:4pt;margin-right:3pt;padding-bottom:1pt;">
                          <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Excess</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;margin-left:0.0pt;"> </font></div>
                          <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal</font></div>
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                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:42.47pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:3pt;margin-right:3pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Contract</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Value</font></div>
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                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:117pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:3pt;margin-right:3pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Guaranteed Death Benefit</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Value for a Contract with the</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Traditional Death Benefit</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:130.7pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:3pt;margin-right:3pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Guaranteed Death Benefit Value</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">for a Contract with the</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Maximum Anniversary Value</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Death Benefit</font></div>
                        </div>
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                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:79.86pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:3pt;margin-right:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Next anniversary&#8217;s</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">annual maximum</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:12pt;"> </font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Income Payment</font></div>
                        </div>
                      </div>
                    </td>
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                  <tr style="height:13.5pt;">
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:123.97pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Prior to withdrawal</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:42.47pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 100,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:117pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 90,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:130.7pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 105,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:79.86pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 4,800</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:123.97pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$5,000 withdrawal</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:42.47pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:117pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; ($5,000/ 100,000)</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:130.7pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; ($5,000/ 100,000)</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:79.86pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; ($5,000/ 100,000)</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:123.97pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:42.47pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:117pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">x 90,000)]</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:130.7pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">x 105,000)]</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:79.86pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">x 4,800)]</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13.5pt;">
                    <td style="padding-bottom:4pt;padding-top:2.5pt;vertical-align:Top;width:123.97pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:42.47pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">&#8211; $5,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:117pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $4,500</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:130.7pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $5,250</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:2.5pt;vertical-align:Top;width:79.86pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="border-bottom:0.5pt groove #000000;color:#000000;font-family:Arial Narrow;font-size:10pt;">= - $240</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13.5pt;">
                    <td style="vertical-align:Top;width:123.97pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:42.47pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:117pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:130.7pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="vertical-align:Top;width:79.86pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11.5pt;">
                    <td style="padding-top:2.5pt;vertical-align:Top;width:123.97pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">After withdrawal</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;width:42.47pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 95,000</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;width:117pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 85,500</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;width:130.7pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 99,750</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;width:79.86pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 4,560</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:9pt;text-align:left;">
              <div style="margin-top:9pt;"><font style="color: #000000; font-family: Times New Roman;">The death benefit is the greater of the Contract Value, or the Guaranteed Death Benefit Value. After the Excess Withdrawal, the death benefit would either be the $95,000 Contract Value under the Traditional Death Benefit (because it is greater than the Guaranteed Death Benefit Value of $85,500), or the $99,750 Guaranteed Death Benefit Value under the Maximum Anniversary Value Death Benefit.</font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;86&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_15"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Automatic Annual Income Payment Increases</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If you select Level Income, the available annual maximum Income Payment will increase only if your Contract Value increases from one Income Benefit Anniversary (or the Income Benefit Date if this is the first Income Benefit Anniversary) to the next and you took the maximum permitted payment during the prior Income Benefit Year. This increase is equal to the percentage of growth between these two Contract Values. For example, if the Contract Value increased by 1.5%, we also increase
                  your annual maximum Income Payment by 1.5%.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">When calculating this payment increase we use the Contract Value determined at the end of the Business Day after we apply any Performance Credits (or Daily Adjustment if the Index Anniversary is not a Term End Date) and we deduct Contract fees and expenses, but before we make any Income Payments or deduct Excess Withdrawals taken on this Index Anniversary. If the
                  Income Benefit Date or an Income Benefit Anniversary does not occur on a Business Day, we use Contract Values from the next Business Day.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Lifetime Income Percentages on the Income Benefit Date generally will be higher with Level Income, as compared with Increasing Income. However, subsequent payment increases are less likely with Level Income, as compared with Increasing Income, especially in later Income Benefit Years. This is because only the Index Protection Strategy with Trigger and Index
                  Protection Strategy with Cap are available once Income Payments are selected, and those two Crediting Methods have the lowest return potential. If Index
                  Option performance is less than the total withdrawals, including Income Payments, Excess Withdrawals and deductions we make for Contract fees and expenses,
                  taken in an Index Year, there will be no increase in the annual maximum Income Payment for the Index Year under Level Income.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">For example, if you receive Performance Credits of 2.5% on an Index Anniversary, but the deductions for Income Payments and Excess Withdrawals taken during the prior Index Year, and deductions we make for Contract fees and expenses both in the prior Index Year and on the current Index Anniversary reduce your Contract Value by -6.8% you will not receive a
                  payment increase under Level Income.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z3550af9dc47844afb630af8c00903dfc" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:auto;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If we increase the Contract Value to equal the death benefit
                            due to a spousal continuation of the Contract during the last </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income Benefit Year, we also subtract the amount of this
                            increase from the Contract Value on the next Income Benefit </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Anniversary when determining annual payment increases under
                            the Level Income payment option.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:9pt;text-align:left;">
              <div style="margin-top:9pt;"><font style="color: #000000; font-family: Times New Roman;">If you select Increasing Income, the available annual maximum Income Payments will increase on each Income Benefit Anniversary if your selected Index Option(s) receives a Performance Credit, or if you executed a Performance Lock on an increased Index Option Value at any time during the prior Income Benefit Year. Any Index Options that did not receive a Performance
                  Credit and were not locked during the prior Income Benefit Year will not affect the annual maximum Income Payment on the current Income Benefit Anniversary.</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">If you select multiple Index Options, we take the weighted average of all
                    Performance Credits, and locked increased Index Option Values based on the percentage of total Index Option Base in each of your selected Index Options to determine your payment increase as indicated in the example below. When calculating this payment increase we use the Index Option Base determined at the end of the Business Day </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">before</font><font style="color: #000000; font-family: Times New Roman;"> we apply any daily transactions (increases for Performance Credits or Daily Adjustments;
                    deductions for Income Payments, Excess Withdrawals, or Contract fees and expenses; or processing any Early Reallocations or transfers).</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">For Index Options where a Performance Lock was </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">not</font><font style="color: #000000; font-family: Times New Roman;"> executed during the prior Income Benefit
                    Year we use the percentage of total Index Option Base in each of these Index Options on the Income Benefit Anniversary. If the Income Benefit Anniversary does not occur on a Business Day, we use the Index Option Base from the next Business Day.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">For Index Options where a Performance Lock </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">was</font><font style="color: #000000; font-family: Times New Roman;"> executed during the prior Income Benefit
                    Year we use the percentage of Index Option Base in each of these Index Options on the Business Day the Index Option is reallocated or transferred.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Payment increases can continue even if your Contract Value reduces to zero, or if you convert Income Payments to Annuity Payments as described in section 8, The Annuity Phase &#8211; When Annuity Payments Begin.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">If you selected multiple Index Options, we take the weighted average of all
                    Performance Credits, and locked Daily Adjustments using the percentage of Contract Value in each Index Option either at the end of the prior Business Day before your Contract Value reduced to zero, or at the end of the Business Day on the Annuity Date if you convert Income Payments to Annuity Payments.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;87&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_16"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div>
              <div style="clear:both;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">We determine this Contract Value </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">after</font><font style="color: #000000; font-family: Times New Roman;"> we apply any Daily Adjustments (if this day is </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">not</font><font style="color: #000000; font-family: Times New Roman;"> a Term End Date) or Performance Credits (if this day </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">is</font><font style="color: #000000; font-family: Times New Roman;"> a Term End Date), and </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">after</font><font style="color: #000000; font-family: Times New Roman;"> we deduct any Income Payment, Excess Withdrawal, or Contract fees and expenses.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">You can change the proportions that we use to calculate this weighted average
                    by submitting an authorized request to our Service Center.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold;">Example (Increasing Income)</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Assume your Contract Value is $100,000 and you allocate 20% to the Index Protection Strategy with Trigger using the S&amp;P 500</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> Index and 80% to the Index Protection Strategy with the Cap using the EURO STOXX 50</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> on the Income Benefit
                  Date.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">On the first Income Benefit Anniversary, the Index Protection Strategy with Trigger Index Option receives a 3.5% Performance Credit and the Index Protection Strategy with the Cap Index Option receives a 4.2% Performance Credit. On this anniversary, before we apply daily transactions, 20% of your total Index Option Base is in the Index Protection Strategy with
                  Trigger Index Option, and 80% of your total Index Option Base is in Index Protection Strategy with the Cap Index Option.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Your annual maximum Income Payment on the first Income Benefit Anniversary will increase by 4.06% ((3.5% x 20%) + (4.2% x 80%)).</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Please see Appendix D for an example of how we calculate an automatic Income Payment increase if you execute a Performance Lock and Early Reallocation.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Income Multiplier Benefit</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Income Multiplier Benefit can increase the annual maximum Income Payment if you:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman;">begin confinement after the first Contract Anniversary in an eligible facility
                    (a hospital, nursing facility, or assisted living facility) for at least 90 days in a 120-day period, or</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">are unable to perform at least two of six activities of daily living (ADLs)
                    for at least 90 consecutive days. ADLs include bathing, dressing, toileting, continence, eating, and transferring (moving into or out of a bed, chair, or
                    wheelchair).</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We must receive proof of staying in an eligible facility or ADL eligibility before we multiply your annual maximum Income Payment by the income multiplier factor stated in the Income Benefit Supplement. For ADL eligibility we may require, at our expense, an examination or tests by a physician of our choice. To continue receiving this increase each Income Benefit
                  Year you must reestablish eligibility.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Income Multiplier Benefit is not available before the Income Benefit Date, or before expiration of the income multiplier benefit wait period stated in the Income Benefit Supplement. In addition, a Covered Person cannot establish eligibility for this benefit more than one Index Year before the Income Benefit Date. Increased Income Payments based on staying in
                  an eligible facility are not available before the first Contract Anniversary. To qualify for a payment increase based on performance of ADLs, a Covered Person
                  must have been able to perform each of these six ADLs without substantial assistance on the Issue Date. If you chose to take less than the annual maximum
                  Income Payment and then qualify for a payment increase under the Income Multiplier Benefit, we will increase your Income Payments to the available annual maximum before applying the payment increase.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold;">Example</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Assume you elect to receive the maximum available payment under the Level Income payment option, your annual maximum Income Payment is $10,000, the income multiplier factor is 2, and the income multiplier benefit wait period is five Contract Years. After the fifth Contract Anniversary you suffer an illness and can&#8217;t perform two of the six ADLs. At the time
                  of your illness, your annual maximum Income Payment is still $10,000 and your Contract Value is positive. After we confirm your benefit eligibility with your
                  physician, we increase your annual maximum Income Payment as follows:</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">(income multiplier factor) x (annual maximum Income Payment) = 2 x $10,000 = $20,000</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">This increase will allow you to receive up to $20,000 as an Income Payment for this Income Benefit Year, and the next Income Benefit Year. However, in the next Income Benefit Year your health improves and you are not able to reestablish benefit eligibility for the following Income Benefit Year. So on the second Income Benefit Anniversary after we increased your
                  payment, we decrease your annual maximum Income Payment as follows:</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">(annual maximum Income Payment) &#247; (income multiplier factor) = $20,000 &#247; 2 = $10,000</font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;88&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
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          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">When the Income Multiplier Benefit Ends</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">The Income Multiplier Benefit ends on the earliest of the following.</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The Annuity Date.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The Income Benefit Anniversary that occurs on or immediately after the date
                    the Contract Value is reduced to zero.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The Business Day the Income Benefit ends.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The Business Day the Contract ends.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Taxation of Income Payments</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We treat Income Payments as withdrawals for tax purposes while your Contract Value is positive, and once your Contract Value is reduced to zero we intend to treat Income Payments as Annuity Payments for tax purposes. For more information, see section 12, Taxes &#8211; Taxation of Income Payments.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">When the Income Period Ends</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Income Period ends on the earlier of the last Business Day before the Annuity Date, or the date the Income Benefit ends. Income Payments can continue for the life of the Covered Person(s) if you do not take more than your allowed annual maximum payment.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">When the Income Benefit Ends</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">The Income Benefit ends on the earliest of the following.</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">During the Accumulation Phase and before the Income Period, the Business Day
                    we process your request to remove this benefit from your Contract (the rider termination date).</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The Business Day all Eligible Persons or Covered Persons are removed from the
                    Contract because they no longer meet the requirements (Owner, Annuitant or sole Beneficiary) stated in section 3. If this occurs after the Income Benefit Date, Income Payments stop when the last Covered Person is removed from the Contract.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The Index Anniversary upon which the younger Eligible Person reaches age 100
                    if it occurs before the Income Benefit Date.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The Business Day we process your request for a full withdrawal, other than a
                    full withdrawal caused by an Income Payment.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The Income Benefit Date or an Income Benefit Anniversary if the annual
                    maximum Income Payment is less than $100.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Upon the death of an Owner (or Annuitant if the Owner is a non-individual),
                    the end of the Business Day we first receive a Valid Claim from any one Beneficiary. However, if a federally recognized spouse is an Eligible Person or Covered Person and continues this Contract, the Income Benefit also continues.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">During the Accumulation Phase and before the Income Benefit Date, the Income
                    Benefit ends on the date of death of the last surviving Eligible Person.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">During the Income Period, the Income Benefit ends on the date of death of the
                    last surviving Covered Person.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The Business Day the Contract ends.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="zdf04aa74cd494bb0bb743005f2c392e3" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:auto;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">If we receive notice of death of a Covered Person during the
                            Income Period we will suspend Income Payments and the </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Income Benefit will end as described above. However, if a
                            federally recognized spouse who is also a joint Covered </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">Person continues this Contract, we will resume Income
                            Payments and add any Income Payments that we would have </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">paid between the time we suspended Income Payments and when
                            they resume to future Income Payments.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
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            <div style="line-height:13.0pt;margin-top:16pt;text-align:left;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 16.0pt; position: relative; top: -2pt; width: 494pt;"><font style="color: #000000; font-size: 11pt; text-transform: lowercase;">11.</font><font style="color: #000000; font-size: 11pt; line-height: 13pt; text-transform: uppercase;">&#8194;</font><font style="color: #000000; font-size: 11pt; text-transform: uppercase;">Death Benefit</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8220;You&#8221; in this section refers to the Owner, or the Annuitant if the Contract is owned by a non-individual.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Contract provides the Traditional Death Benefit, the standard death benefit, for no additional charge. If available, you can instead select the optional Maximum Anniversary Value Death Benefit at Contract issue for an additional rider fee if all Owners and the Annuitant are age 75 or younger. The Maximum Anniversary Value Death Benefit can only be added to a Contract at issue. </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">The Maximum Anniversary Value Death Benefit cannot be less than the Traditional Death Benefit, but they may be equal. Please discuss this benefit&#8217;s appropriateness with your Financial Professional.</font><font style="color: #000000; font-family: Times New Roman;"> The death benefit is the greater of the Contract Value, or Guaranteed Death Benefit Value.
                  The Guaranteed Death Benefit </font></div>
            </div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;89&#8201;</font></div>
          </div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">Value is either total Purchase Payments reduced proportionately for withdrawals you take (including any withdrawal charge) if you select the Traditional Death Benefit, or the Maximum Anniversary Value if you select the Maximum Anniversary Value Death Benefit.&#160;</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">The death benefit is only available during the Accumulation Phase&#160;(and Income Period, if applicable).</font><font style="color: #000000; font-family: Times New Roman;"> If you or the Determining Life (Lives) die during the Accumulation Phase, we process the
                  death benefit using prices determined after we receive the required information, which is either a Valid Claim or due proof of death as stated here. (For
                  information on due proof of death see the Glossary &#8211; Valid Claim). If we receive this information at or after the end of the current Business Day, we use the next Business Day&#8217;s prices.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If there are multiple Beneficiaries, each Beneficiary receives the portion of the death benefit he or she is entitled to when we receive his or her Valid Claim. If a Beneficiary dies before you or the Designated Life, that Beneficiary&#8217;s interest in this Contract ends unless your Beneficiary designation specifies otherwise. If there are no remaining Beneficiaries, or no named Beneficiaries, we pay the death benefit to your estate, or if the Owner is a non-individual, to the Owner. Unless you instruct
                  us to pay Beneficiaries a specific percentage of the death benefit, each Beneficiary receives an equal share.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Each Beneficiary&#8217;s portion of the death benefit remains in the Index Options based on the allocation instructions that were in effect on the date of death until we receive his or her Valid Claim and we either pay the claim or the Beneficiary provides alternate allocation instructions. If there is Variable Account Value in the Variable Option&#160;on the date of death, it remains
                  there until the next Index Anniversary. If an Index Anniversary occurs before we receive a Valid Claim, we will transfer that Beneficiary&#8217;s portion of the
                  Variable Account Value to the Index Options based on the allocation instructions that were in effect on the date of death.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">From the time we determine the death benefit until we make a complete distribution, any amount in the Index Options and the Variable Option continues to be subject to investment risk that is borne by the recipient(s). Once we receive notification of death, we may no longer accept or process transfer requests. After we receive the first Valid Claim from any Beneficiary,
                  we also will not accept additional Purchase Payments or allow any partial or full withdrawals unless the withdrawal is required to comply with federal tax
                  law.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">On the first death of a Determining Life during the Accumulation Phase, if your selected death benefit is in effect, your Beneficiary(ies) will receive the greater of the Contract Value&#160;or Guaranteed Death Benefit Value.&#160;The Guaranteed Death Benefit Value is either total Purchase Payments reduced proportionately for withdrawals you take (including any withdrawal charge)
                  if you select the Traditional Death Benefit, or the Maximum Anniversary Value if you select the Maximum Anniversary Value Death Benefit. For example, assume
                  total Purchase Payments are $90,000, you take no withdrawals, the highest Contract Value on any Index Anniversary (the Maximum Anniversary Value) is $105,000,
                  and the current Contract Value is $100,000. The death benefit for the Traditional Death Benefit is the $100,000 Contract Value, and for the Maximum Anniversary Value Death Benefit it is the $105,000 Maximum Anniversary Value.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If the date we are determining the death benefit is not the Term End Date, the Contract Value reflects the Daily Adjustment. Withdrawals you take reduce your Guaranteed Death Benefit Value by the percentage of Contract Value withdrawn (including any withdrawal charge), determined at the end of each Business Day. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">All
                  withdrawals you take reduce the Guaranteed Death Benefit Value and Contract Value, even Penalty-Free Withdrawals, and
                  financial adviser fees that you choose to have us pay from this Contract.&#160;</font><font style="color: #000000; font-family: Times New Roman;">However, we&#160;do not reduce the Guaranteed Death Benefit Value for deductions we make for
                  Contract fees and expenses.&#160;</font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Deductions for Contract fees and expenses&#160;will, however, decrease the Contract Value by the dollar amount withdrawn&#160;and reduce the likelihood of receiving increases to the Maximum
                  Anniversary Value</font><font style="color: #000000; font-family: Times New Roman;">.&#160;</font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">In addition, because the
                  death benefit is the greater of Contract Value, or the Guaranteed Death Benefit Value, deductions we make for Contract fees
                  and expenses may reduce the death benefit available to your Beneficiaries.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Examples of the impact of deductions for financial adviser fees that you choose to have us pay from the Contract on the death benefit are included in section 1. The impact of an Excess Withdrawal on the death benefit is included in section 10.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Maximum Anniversary Value</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Maximum Anniversary Value is initially equal to the Purchase Payment received on the Issue Date. At the end of each Business Day, we adjust the Maximum Anniversary Value as follows.</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">We increase it by the dollar amount of any additional Purchase Payments.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">We reduce it by the percentage of any Contract Value you withdraw (including
                    any withdrawal charge).</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;90&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_19"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">If the Index Effective Date occurs after the Issue Date, the Maximum Anniversary Value on the Index Effective Date is calculated in the same way as on an Index Anniversary.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">On each Index Anniversary before the end date (or on the next Business Day if the Index Anniversary is not on a Business Day) the Maximum Anniversary Value is equal to the greater of:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">its current value after processing any additional Purchase Payments, or
                    withdrawals you take (including any withdrawal charge), or</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the Contract Value determined at the end of the Business Day after we process
                    all daily transactions including Performance Credits, any additional Purchase Payments, withdrawals you take including any withdrawal charges, and deductions we make&#160;for other Contract fees and expenses. Contract Value reflects the Daily Adjustment for an Index Option for which this anniversary is not a Term End Date. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Negative Index Option performance,
                    withdrawals you take, and deductions we make for Contract fees&#160;or expenses decrease the Contract Value and reduce the
                    likelihood of receiving increases to the Maximum Anniversary Value.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">On and after the end date, we no longer make this comparison and we no longer capture any annual investment gains in the Maximum Anniversary Value.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The end date occurs on the earliest of:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the older Determining Life&#8217;s 91st birthday, or</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the end of the Business Day we receive the first Valid Claim from any one
                    Beneficiary.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold;">Example</font><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;">&#8195;</font></div>
            </div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z759318a76f27481495b1d2926fb45130" style="empty-cells:show;width:494pt;">

                  <tr style="height:27pt;">
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:332.96pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:4pt;margin-right:3pt;padding-bottom:1pt;">
                          <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:42.47pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:3pt;margin-right:3pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Contract</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Value</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:118.56pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:3pt;margin-right:4pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">Maximum Anniversary Value</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13.5pt;">
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:332.96pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Issue Date</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:42.47pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 100,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:1.5pt;vertical-align:Top;width:118.56pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 100,000</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:332.96pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">1</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">st</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index Anniversary</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:42.47pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 110,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:118.56pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 110,000</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:332.96pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">2</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">nd</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index Anniversary</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:42.47pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 95,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:118.56pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 110,000</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:332.96pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">3</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">rd</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index Anniversary</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:42.47pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 105,000</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:118.56pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 110,000</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11.5pt;">
                    <td style="padding-top:2.5pt;vertical-align:Top;width:332.96pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">4</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">th</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Index Anniversary</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;width:42.47pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 120,000</font></div>
                      </div>
                    </td>
                    <td style="padding-top:2.5pt;vertical-align:Top;width:118.56pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:3pt;margin-right:4pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 120,000</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:9pt;text-align:left;">
              <div style="margin-top:9pt;"><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;">&#8195;</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">On the Issue Date the Maximum Anniversary Value is equal to the initial
                    Purchase Payment of $100,000.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman;">On the 1st Index Anniversary the Contract Value is greater than the Maximum
                    Anniversary Value, so the Maximum Anniversary Value increases to equal the Contract Value of $110,000.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">On the 2nd and 3rd Index Anniversaries the Contract Value is less than the
                    Maximum Anniversary Value, so we neither increase nor decrease the Maximum Anniversary Value. The Maximum Anniversary Value will stay at $110,000 until the Contract Value on an Index Anniversary is greater than this amount or you make an additional Purchase Payment (either of which will increase the Maximum Anniversary Value), or you take a withdrawal (which will decrease the Maximum Anniversary
                    Value).</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">On the 4th Index Anniversary the Contract Value is greater than the Maximum
                    Anniversary Value, so the Maximum Anniversary Value increases to equal the Contract Value of $120,000.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
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            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z2e7cc35fd6a74e91846c79f8ff96f666" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:14pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">During the Income Period:</font></div>
                      </div>
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                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">You cannot make additional Purchase Payments. If your Contract includes the Traditional Death Benefit this means </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">the Guaranteed Death Benefit Value no longer increases.</font></div>
                      </div>
                    </td>
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                  <tr style="height:60pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Index Dual Precision Strategy,&#160;Index Precision Strategy, Index Performance Strategy, and Index Guard Strategy are </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">no longer available. This may limit your Contract&#8217;s
                            performance potential and the Guaranteed Death Benefit Value if </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">your Contract includes the Maximum Anniversary Value Death
                            Benefit. Income Payments and Excess Withdrawals </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">also decrease your Contract Value, which also reduces the
                            likelihood of locking in investment gains to the </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Guaranteed Death Benefit Value if your Contract includes the
                            Maximum Anniversary Value Death Benefit.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:48pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">Each Income Payment and any Excess Withdrawal reduces the Guaranteed Death Benefit Value by the percentage of </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:14pt;">Contract Value withdrawn (including any withdrawal charge)</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">, which means this value may be reduced by more than </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">the amount withdrawn</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">. </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Taking
                            Excess Withdrawals may also cause your selected death benefit to end </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:14pt;">prematurely.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;91&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_20"></a>
        <div style="page-break-after:always;position:relative;">
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          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold;">What Happens Upon Death?</font></div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If you are the Determining Life, or if you and the Determining Life (Lives) are different individuals and die within 120 hours of each other, we determine the Guaranteed Death Benefit Value at the end of the Business Day we receive a Valid Claim. For multiple Beneficiaries, each surviving Beneficiary receives the greater of their portion of the:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Guaranteed Death Benefit Value determined at the end of the Business Day we
                    receive the first Valid Claim from any one Beneficiary, or</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Contract Value determined at the end of the Business Day during which we
                    receive his or her Valid Claim.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-left:14pt;margin-top:7pt;text-align:left;">
              <div style="margin-top:7pt;"><font style="color: #000000; font-family: Times New Roman;">In this instance, if the Beneficiary:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">is a surviving spouse and chooses to continue the Contract;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">selects death benefit payment Option B; or</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">selects death benefit payment Option C and takes payment over a period not
                    extending beyond the Beneficiary&#8217;s life expectancy;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-left:14pt;margin-top:7pt;text-align:left;">
              <div style="margin-top:7pt;"><font style="color: #000000; font-family: Times New Roman;">we increase the Contract Value to equal the Guaranteed Death Benefit Value if greater when we receive a Valid Claim.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If you and the Determining Life (Lives) are different individuals and do not die within 120 hours of each other, the death benefit is as follows. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">This can only occur if you change
                  the Owner after the Issue Date.</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">If a Determining Life dies before you, we do not pay a death
                    benefit to the Beneficiary(ies), but we may increase the Contract Value if the Traditional Death Benefit or Maximum Anniversary Value Death
                    Benefit are still in effect</font><font style="color: #000000; font-family: Times New Roman;">. At the end of the Business Day
                    we receive due proof of a Determining Life&#8217;s death, we increase the Contract Value to equal&#160;the Guaranteed Death Benefit Value if greater, </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">and your selected death benefit ends</font><font style="color: #000000; font-family: Times New Roman;">.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Upon your death, your Beneficiary(ies) receive the Contract Value determined
                    at the end of the Business Day during which we receive each Beneficiary&#8217;s Valid Claim.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Upon the death of a Determining Life, if we increase the Contract Value to equal the Guaranteed Death Benefit Value, we allocate this increase to the Variable Option. On the next Index Anniversary we transfer the Variable Account Value to the Index Options according to the allocation instructions.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">The Traditional Death Benefit and Maximum Anniversary Value Death Benefit end upon the earliest of the following.</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The Business Day before the Annuity Date.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The Business Day that the Guaranteed Death Benefit Value and Contract Value
                    are both zero.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Upon the death of a Determining Life, the end of the Business Day we receive
                    a Valid Claim from all Beneficiaries if you and the Determining Life are the same individuals, or if you and the Determining Life (Lives) are different individuals and die within 120 hours of each other.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Upon the death of a Determining Life, the end of the Business Day we receive
                    due proof of the Determining Life&#8217;s death if you and the Determining Life (Lives) are different individuals and do not die within 120 hours of each other.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Upon the death of an Owner (or Annuitant if the Owner is a non-individual),
                    the end of the Business Day we receive the first Valid Claim from any one Beneficiary, if the Owner (or Annuitant) is no longer a Determining Life.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The Business Day the Contract ends.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="zb1f65ea8afc24b2f853cf83244ffd585" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:26pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">We base the Guaranteed Death Benefit Value on the first
                            death of a Determining Life (or Lives). This means that upon </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">the death of an Owner (or Annuitant if the Owner is a
                            non-individual), </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">if a surviving spouse continues the Contract:</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">the Guaranteed Death Benefit Value is no longer available, and</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;margin-left:1.9pt;">if you selected the Maximum Anniversary Value Death Benefit, we no longer assess its 0.20% rider fee.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:30pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Also, if you and the
                            Determining Life (Lives) are different individuals and you die first, the Guaranteed Death Benefit </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Value is not available to
                            your Beneficiary(ies).</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:12pt;text-align:left;">
              <div style="margin-top:12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Death of the Owner and/or Annuitant</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Appendix A to the Form N-4 SAI includes tables that are intended to help you better understand what happens upon the death of any Owner and/or Annuitant under the different phases of the Contract.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Death Benefit Payment Options During the Accumulation Phase</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Each Beneficiary must select one of the death benefit payment options listed below.</font></div>
            </div>
          </div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;92&#8201;</font></div>
          </div>
        </div>
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          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">If a Beneficiary requests a lump sum payment under Option A, we pay that Beneficiary within seven days of receipt of his or her Valid Claim, unless the suspension of payments or transfers provision is in effect. Payment of the death benefit may be delayed, pending receipt of any state forms.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Spousal Continuation:</font><font style="color: #000000; font-family: Times New Roman;"> If the Beneficiary is
                  the deceased Owner&#8217;s spouse, he or she can choose to continue the Contract with the portion of the death benefit the spouse is entitled to in his or her own
                  name. For an IRA, Roth IRA, or SEP IRA Contract, spousal continuation can only occur if the surviving spouse is the Contract&#8217;s sole primary Beneficiary. For Qualified Contracts purchased through a qualified plan and non-individually owned Contracts, spousal continuation is only available to Qualified Contracts through a direct rollover to an IRA. </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Spouses
                  must qualify as such under federal law to continue the Contract.</font><font style="color: #000000; font-family: Times New Roman;"> Individuals who have entered into a registered domestic partnership, civil union, or other similar relationship that is not considered
                  to be a marriage under state law are also not considered to be married under federal law. An election by the spouse to continue the Contract must be made on
                  the death claim form before we pay the death benefit. If the deceased Owner was a Determining Life and the surviving spouse Beneficiary continues the
                  Contract, at the end of the Business Day we receive his or her Valid Claim, we increase the Contract Value to equal&#160;the Guaranteed Death Benefit Value if greater and available, and your selected death benefit ends. If the surviving spouse continues the Contract:</font></div>
            </div>
            <div>
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                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">he or she becomes the new Owner and may exercise all of the Owner&#8217;s rights,
                    including naming a new Beneficiary or Beneficiaries;</font></div>
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            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">he or she is subject to any remaining withdrawal charge; and</font></div>
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            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">upon the surviving spouse&#8217;s death, their Beneficiary(ies) receive the
                    Contract Value determined at the end of the Business Day during which we receive a Valid Claim from each Beneficiary.</font></div>
              </div>
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            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Death Benefit Payment Options</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The following applies to Non-Qualified Contracts. Different rules may apply to Qualified Contracts. For more information, please see section 12, Taxes &#8211; Distributions Upon the Owner&#8217;s Death (or Annuitant&#8217;s Death if the Owner is a Non-Individual).</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Option A:</font><font style="color: #000000; font-family: Times New Roman;"> Lump sum payment of the death
                  benefit.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Option B:</font><font style="color: #000000; font-family: Times New Roman;"> Payment of the entire death benefit
                  within five years of the date of any Owner&#8217;s death. The Beneficiary can continue to make transfers between Index Options&#160;and is subject to the product fee.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Option C:</font><font style="color: #000000; font-family: Times New Roman;"> If the Beneficiary is an
                  individual, payment of the death benefit as Annuity Payments under Annuity Options A, B, or C. If you take the death benefit as Annuity Payments, we do not
                  require that the Annuity Date occur on an Index Anniversary. With our written consent other options may be available for payment over a period not extending
                  beyond the Beneficiary&#8217;s life expectancy under which the Beneficiary can continue to make transfers between Index Options&#160;and is subject to the product fee.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Distribution from Non-Qualified Contracts under Option C must begin within one year of the date of the Owner&#8217;s death. Any portion of the death benefit from Non-Qualified Contracts not applied to Annuity Payments within one year of the date of the Owner&#8217;s death must be distributed within five years of the date of death.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If a Non-Qualified Contract is owned by a non-individual, then we treat the death of an Annuitant as the death of an Owner for purposes of the Code&#8217;s distribution at death rules, which are set forth in Section 72(s) of the Code.</font></div>
            </div>
            <div style="line-height:10.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">In all events, notwithstanding any provision to the contrary in the Contract or this prospectus, a Non-Qualified Contract is interpreted and administered in accordance with Section 72(s) of the Code.</font></div>
            </div>
            <div style="line-height:13.0pt;margin-top:11.5pt;text-align:left;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 12.0pt; position: relative; top: -2pt; width: 494pt;"><font style="color: #000000; font-size: 11pt; text-transform: lowercase;">12.</font><font style="color: #000000; font-size: 11pt; line-height: 13pt; text-transform: uppercase;">&#8194;</font><font style="color: #000000; font-size: 11pt; text-transform: uppercase;">Taxes</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">This section provides a summary explanation of the tax ramifications of purchasing a Contract. </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">We do not provide individual tax advice. You should
                  contact your tax adviser to discuss this Contract&#8217;s effects on your personal tax situation.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Annuity Contracts in General</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Annuity contracts are a means of setting aside money for future needs &#8211; usually retirement. Congress recognized the importance of saving for retirement and provided special rules in the Code for annuities.</font></div>
            </div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
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          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;93&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
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          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">There are different rules regarding how you will be taxed, depending upon how you take the money out and whether the annuity is Qualified or Non-Qualified. Generally, any taxable distribution is subject to income taxes at ordinary income tax rates (instead of capital gains rates).</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">You can purchase either a Qualified Contract or a Non-Qualified Contract.&#160; If you do not purchase one of the various types of Qualified Contracts described in this section, the Contract is referred to as a Non-Qualified Contract.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">This prospectus does not address specific state tax laws. You should discuss state taxation with your tax adviser.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Qualified Contracts</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If you purchase the Contract as an IRA, Roth IRA, SEP IRA, or to fund a qualified retirement plan, the Contract is referred to as a Qualified Contract. Qualified Contracts are subject to certain restrictions under the Code, including restrictions on the amount of annual contributions, restrictions on how much you can earn and still be able to contribute to a Qualified Contract, and specialized restrictions on withdrawals. Qualified Contracts must be purchased from earned income from the relevant year or years, or from a rollover or transfer from a qualified contract. An IRA to IRA indirect rollover can occur only once in any twelve-month period from all of the IRAs you currently own. Adverse tax consequences may result if contributions, distributions, and transactions in connection with the Qualified Contract do not comply with the law.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">A Qualified Contract funded by an annuity does not provide any additional tax deferral. However, the Contract has features and benefits other than tax deferral that may make it appropriate for an IRA or qualified retirement plan. You should consult your tax adviser regarding these features and benefits before purchasing a Qualified Contract.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We may issue the following types of Qualified Contracts to an individual. Purchasers of a Contract for use with IRAs have the right to revoke their purchase within seven days of the earliest of the establishment of the IRA, or their purchase.</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; text-decoration: underline;">IRA (traditional IRA).</font><font style="color: #000000; font-family: Times New Roman;"> Section 408 of the Code permits eligible individuals to fund IRAs. IRA contributions are limited each year to the lesser of a dollar amount specified in the Code or 100% of the amount of earned income included in the Owner&#8217;s
                    income. Contributions may be tax deductible based on the Owner&#8217;s income. Contributions must be made in cash. The limit on the amount contributed to an IRA
                    does not apply to distributions from certain other types of IRAs or qualified retirement plans that are transferred or rolled over on a tax-deferred basis
                    into an IRA.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; text-decoration: underline;">Roth IRA.</font><font style="color: #000000; font-family: Times New Roman;"> Section 408A of the Code permits certain eligible individuals to contribute to a Roth IRA. Contributions to a Roth IRA are limited each year to the lesser of a dollar amount specified in the Code or 100% of the amount of earned income included
                    in the Owner&#8217;s income. Contributions are also limited or prohibited if the Owner&#8217;s income is above certain limits. Contributions must be made in cash. The
                    limit on the amount contributed to a Roth IRA does not apply to distributions from certain other types of IRAs or qualified retirement plans that are
                    transferred or rolled over (conversion) into a Roth IRA.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-left:14pt;margin-top:5pt;text-align:left;">
              <div style="margin-top:5pt;"><font style="color: #000000; font-family: Times New Roman;">Conversions to a Roth IRA from an IRA or other eligible qualified retirement plan are permitted regardless of an individual&#8217;s income. A conversion to a Roth IRA results in a taxable event, but not a 10% additional federal tax for early withdrawal if certain qualifications are met (please consult your tax adviser for more details).</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; text-decoration: underline;">SEP IRA</font><font style="color: #000000; font-family: Times New Roman;">. Employers may establish SEP IRAs under Code Section 408(k) to provide IRA contributions on behalf of their employees. In addition to all of the general rules governing IRAs, such plans are subject to additional requirements and
                    different contribution limits.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-left:14pt;margin-top:2pt;text-align:left;">
              <div style="margin-top:2pt;"><font style="color: #000000; font-family: Times New Roman;">We may issue the following type of Qualified Contract to a qualified retirement plan.&#160;</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; text-decoration: underline;">Qualified Retirement Plans: Pension and
                    Profit-Sharing Plans.</font><font style="color: #000000; font-family: Times New Roman;"> A qualified plan is a retirement or pension plan that meets
                    the requirements for tax qualification under the Code. Sections 401(a) and 401(k) of the Code permit employers, including self-employed individuals, to
                    establish various types of retirement plans for employees. These retirement plans may permit the purchase of the Contracts to provide benefits under the
                    plan. Contributions to the plan for the benefit of employees are not included in the gross income of the employee until distributed from the plan. The tax consequences to participants may vary, depending upon the particular plan design. Participant loans are not allowed under the Contracts purchased in connection with these plans.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-left:14pt;margin-top:5pt;text-align:left;">
              <div style="margin-top:5pt;"><font style="color: #000000; font-family: Times New Roman;">If the Contract is purchased for a qualified plan under Section 401 of the Code, the plan is both the Owner and the Beneficiary. The authorized signatory, plan administrator, or plan trustee for the plan must make representations to us that the plan is qualified under the Code on the Issue Date and is intended to continue to be qualified for the entire Accumulation
                  Phase of the Contract, or as long as the qualified plan owns the Contract. The qualified plan may designate a third party administrator to act on its behalf.
                  All tax reporting is the responsibility of the plan. In the event the qualified plan instructs us to roll the plan assets into an IRA for the Annuitant under
                  this Contract, we change the </font></div>
            </div>
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            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
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          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;94&#8201;</font></div>
          </div>
        </div>
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          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;margin-left:14pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">qualification type of the Contract to an IRA and make the Annuitant the Owner. The qualified plan is
                responsible for any reporting required for the rollover transactions out of the plan. We are responsible for any reporting required for the Contract as an IRA.</font></div>
            <div style="line-height:12.0pt;margin-left:14pt;margin-top:5.5pt;text-align:left;">
              <div style="margin-top:5pt;"><font style="color: #000000; font-family: Times New Roman;">Purchasers of Contracts for use with pension or profit-sharing plans should obtain competent tax advice as to the tax treatment and suitability of holding an annuity within a plan.&#160; Because of the minimum Purchase Payment requirements, these Contracts may not be appropriate for some retirement plans that are funded on a periodic basis. Owners, Annuitants
                  and Beneficiaries are cautioned that benefits under a Qualified Contract may be subject to the terms and conditions of the plan regardless of the terms and
                  conditions of the Contracts issued pursuant to the plan. Some retirement plans are subject to distribution and other requirements that are not incorporated
                  into our administrative procedures. We are not bound by the terms and conditions of such plans to the extent such terms conflict with the terms of a Contract, unless we specifically consent to be bound. Owners, participants, and Beneficiaries are responsible for determining that contributions, distributions and other transactions with respect to the Contracts comply with
                  applicable law. We may choose not to allow pension or profit-sharing plans to purchase this Contract.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Summary of Individuals and Entities That Can Own a Qualified Contract</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Currently, we offer the following types of Qualified Contracts.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
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                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:125.61pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Type of Contract</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:368.39pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Persons and Entities that can own the Contract</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.61pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">IRA</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:368.39pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Must have the same individual as Owner and Annuitant.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.61pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Roth IRA</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:368.39pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Must have the same individual as Owner and Annuitant.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:125.61pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">SEP IRA</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:368.39pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Must have the same individual as Owner and Annuitant.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:49pt;">
                    <td style="padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:125.61pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-right: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Certain Code Section 401 Plans</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:368.39pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">A qualified retirement plan is the Owner and the Annuitant must be an individual
                            who is a </font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">participant in the plan. If the qualified retirement plan is a defined benefit
                            plan, the individual must </font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">be the only participant in the plan.</font></div>
                        <div style="margin-left: 9pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">We may determine which&#160;types of qualified retirement plans are eligible to
                            purchase this Contract.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:12pt;text-align:left;">
              <div style="margin-top:12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Non-Qualified Contracts</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">You can instead purchase a Non-Qualified Contract, which is not qualified pursuant to a specialized provision of the Code.&#160; There are no Code restrictions on annual contributions to a Non-Qualified Contract or how much you can earn and still contribute to a Contract.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Non-Qualified Contracts Owned by Non-Individuals</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">When a Non-Qualified Contract is owned by a non-individual (other than a trust holding the Contract as an agent for an individual), the Contract is not generally treated as an annuity for tax purposes. This means that the Contract may not receive the benefits of tax deferral and any Contract earnings may be taxable every year.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Taxation of Withdrawals</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">When you take money out of a Contract, we may deduct premium tax that we pay on your Contract. This tax varies from 0% to 3.5%, depending on your state. Currently, we pay this tax and do not pass it on to you.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Section 72 of the Code governs taxation of annuities in general. An Owner is generally not taxed on increases in the value of a Contract until a distribution occurs, either in the form of withdrawals or as Annuity Payments.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">For a full withdrawal (total redemption), a partial withdrawal, or a death benefit, the recipient is taxed on the portion of the payment that exceeds your investment in the Contract (often referred to as cost basis). For Non-Qualified Contracts, this cost basis is generally the Purchase Payments, while for Qualified Contracts there is generally no cost basis, which means the withdrawal is fully taxable, except for qualified distributions from Roth IRAs and IRAs where you have separately tracked and reported any after-tax contributions that you have made.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">For Non-Qualified Contracts, the taxable portion of a partial withdrawal is the portion of the payment considered to be gain in the Contract (for example, the difference, if any, between the Contract Value immediately before the withdrawal, unreduced by any withdrawal charges, and the Contract&#8217;s cost basis). The withdrawals are generally taxed as though you were paid
                  taxable earnings first, and then as a non-taxable return of Purchase Payments.</font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;95&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_24"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:169pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">Distributions from a Roth IRA generally are not subject to income tax if the Roth IRA has been held for five years
                (starting with the year in which the first contribution is made to any Roth IRA) and the Owner satisfies a triggering event such as attaining age 59</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</font><font style="color: #000000; font-family: Times New Roman;">, death,
                disability or a first time homebuyer (subject to a $10,000 lifetime limit).</font></div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Distribution before satisfying the five year period or triggering event requirement may subject the distribution to taxation. Please be aware that each Roth IRA conversion has its own five year holding period requirement for purposes of determining if the 10% additional federal tax described below applies.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">10% Additional Federal Tax</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Withdrawals (whether partial or full) and Annuity Payments taken before age 59</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</font><font style="color: #000000; font-family: Times New Roman;"> are subject to a 10% additional federal tax unless an exception applies. The exceptions are
                  different for Qualified Contracts and Non-Qualified Contracts, and are also different for IRAs and qualified plans. If the Contract is jointly owned, we send
                  each Joint Owner a check for half of the withdrawal amount and we tax report that Joint Owner individually. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Tax reporting each Joint Owner individually can create a discrepancy in taxation if only one Joint Owner is under age 59</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;font-weight:bold;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;font-style:italic;font-weight:bold;">2</font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;"> because that Joint
                  Owner may</font><font style="color: #000000; font-family: Times New Roman;">&#160;be subject to the 10% additional federal tax.</font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:487pt;">
            <div style="line-height:9.0pt;text-align:left;"><font style="color: #000000; font-family: Arial Narrow; font-style: italic; font-weight: bold;">Exceptions to the 10% Additional Federal Tax for Qualified Contracts</font></div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:8.33pt;"><font style="color: #000000; font-family: Times New Roman;">1)</font></div>
                <div style="float:left;line-height:12pt;margin-left:9.67pt;text-align:left;width:471.00pt;"><font style="color: #000000; font-family: Times New Roman;">distributions made on or after the date you (or the Annuitant as applicable)
                    reach age 59</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</font><font style="color: #000000; font-family: Times New Roman;">;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:8.33pt;"><font style="color: #000000; font-family: Times New Roman;">2)</font></div>
                <div style="float:left;line-height:12pt;margin-left:9.67pt;text-align:left;width:471.00pt;"><font style="color: #000000; font-family: Times New Roman;">distributions following your death or disability (or the Annuitant as
                    applicable) (for this purpose disability is as defined in Section 72(m)(7) of the Code);</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:8.33pt;"><font style="color: #000000; font-family: Times New Roman;">3)</font></div>
                <div style="float:left;line-height:12pt;margin-left:9.67pt;text-align:left;width:471.00pt;"><font style="color: #000000; font-family: Times New Roman;">distributions paid in a series of substantially equal payments made annually
                    (or more frequently) for your life (or life expectancy) or joint lives of you and your designated Beneficiary;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:8.33pt;"><font style="color: #000000; font-family: Times New Roman;">4)</font></div>
                <div style="float:left;line-height:12pt;margin-left:9.67pt;text-align:left;width:471.00pt;"><font style="color: #000000; font-family: Times New Roman;">distributions made to you after separation from service after reaching age
                    55 (does not apply to IRAs);</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:8.33pt;"><font style="color: #000000; font-family: Times New Roman;">5)</font></div>
                <div style="float:left;line-height:12pt;margin-left:9.67pt;text-align:left;width:471.00pt;"><font style="color: #000000; font-family: Times New Roman;">distributions made to you to the extent such distributions do not exceed the
                    amount allowed as a deduction under Code Section 213 for amounts paid during the tax year for medical care;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:8.33pt;"><font style="color: #000000; font-family: Times New Roman;">6)</font></div>
                <div style="float:left;line-height:12pt;margin-left:9.67pt;text-align:left;width:471.00pt;"><font style="color: #000000; font-family: Times New Roman;">distributions made on account of an IRS levy upon the Qualified Contract;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:8.33pt;"><font style="color: #000000; font-family: Times New Roman;">7)</font></div>
                <div style="float:left;line-height:12pt;margin-left:9.67pt;text-align:left;width:471.00pt;"><font style="color: #000000; font-family: Times New Roman;">distributions from an IRA for the purchase of medical insurance (as
                    described in Section 213(d)(1)(D) of the Code) for you and your spouse and dependents if you have received unemployment compensation for at least 12 weeks
                    (this exception will no longer apply after you have been re-employed for at least 60 days);</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:8.33pt;"><font style="color: #000000; font-family: Times New Roman;">8)</font></div>
                <div style="float:left;line-height:12pt;margin-left:9.67pt;text-align:left;width:471.00pt;"><font style="color: #000000; font-family: Times New Roman;">distributions from an IRA made to you, to the extent such distributions do
                    not exceed your qualified higher education expenses (as defined in Section 72(t)(7) of the Code) for the tax year;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:8.33pt;"><font style="color: #000000; font-family: Times New Roman;">9)</font></div>
                <div style="float:left;line-height:12pt;margin-left:9.67pt;text-align:left;width:471.00pt;"><font style="color: #000000; font-family: Times New Roman;">distributions from an IRA which are qualified first-time homebuyer
                    distributions (as defined in Section 72(t)(8) of the Code);</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:13.33pt;"><font style="color: #000000; font-family: Times New Roman;">10)</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.67pt;text-align:left;width:471.00pt;"><font style="color: #000000; font-family: Times New Roman;">distributions made to an alternate Payee pursuant to a qualified domestic
                    relations order (does not apply to an IRA);</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:13.33pt;"><font style="color: #000000; font-family: Times New Roman;">11)</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.67pt;text-align:left;width:471.00pt;"><font style="color: #000000; font-family: Times New Roman;">distributions made to a reservist called to active duty after September 11,
                    2001, for a period in excess of 179 days (or for an indefinite period), from IRAs or amounts attributable to elective deferrals under a 401(k) plan made
                    during such active period;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:13.33pt;"><font style="color: #000000; font-family: Times New Roman;">12)</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.67pt;text-align:left;width:471.00pt;"><font style="color: #000000; font-family: Times New Roman;">distributions that are corrective distributions (and associated earnings) of
                    excess contributions, excess aggregate contributions and excess deferrals, made timely;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:13.33pt;"><font style="color: #000000; font-family: Times New Roman;">13)</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.67pt;text-align:left;width:471.00pt;"><font style="color: #000000; font-family: Times New Roman;">distributions made during the payment period starting on the birth of a
                    child or the finalization of an adoption (up to $5,000);</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:13.33pt;"><font style="color: #000000; font-family: Times New Roman;">14)</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.67pt;text-align:left;width:471.00pt;"><font style="color: #000000; font-family: Times New Roman;">distributions that are qualified disaster recovery distributions;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:13.33pt;"><font style="color: #000000; font-family: Times New Roman;">15)</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.67pt;text-align:left;width:471.00pt;"><font style="color: #000000; font-family: Times New Roman;">distributions due to having a terminal illness;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:13.33pt;"><font style="color: #000000; font-family: Times New Roman;">16)</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.67pt;text-align:left;width:471.00pt;"><font style="color: #000000; font-family: Times New Roman;">distributions that are emergency personal expense distributions up to $1,000
                    after December 31, 2023; and</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:13.33pt;"><font style="color: #000000; font-family: Times New Roman;">17)</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.67pt;text-align:left;width:471.00pt;"><font style="color: #000000; font-family: Times New Roman;">distributions that are eligible distributions as a domestic abuse victim,
                    not to exceed the lesser of $10,000 or 50% of the IRA or qualified plan vested benefit value, after December 31, 2023.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">With respect to (13) through (17) above, a qualified birth or adoption distribution, a qualified disaster recovery distribution, a terminal illness distribution, an emergency personal expense distribution and an eligible distribution as a domestic abuse victim may each be repaid any time within the 3-year period from the date the distribution was received in one or more contributions into an IRA or qualified retirement plan (if you are eligible to make a contribution to the qualified retirement plan).
                  The repayment contribution will be treated as a rollover into the IRA or qualified retirement plan.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">With respect to (3) above, if the series of substantially equal periodic payments is modified before the later of the Annuitant attaining age 59</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</font><font style="color: #000000; font-family: Times New Roman;"> or the close
                  of the five year period that began on the date the first payment was received, then </font></div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
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          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;96&#8201;</font></div>
          </div>
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      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
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          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">the tax for the year of the modification is increased by the 10% additional federal tax, plus interest for the tax years in
              which the exception was used. A partial withdrawal, or prior to January 1, 2024, a partial transfer, or partial rollover taken after a series of substantially equal periodic payments has begun will result in the modification of the series of substantially equal payments and therefore will result in the imposition of the 10% additional federal tax and interest for the period as described above. You should obtain competent tax advice before you take any partial withdrawals from your Contract. Adding Purchase Payments to a Contract that is making substantially equal periodic payments will also result in a modification of the
                payments.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">For 2020 only, the Coronavirus Aid, Relief, and Economic Security (CARES) Act, permitted corona-virus related distributions from Qualified Contracts and IRAs up to an aggregate amount of $100,000. This type of distribution was an exception to the 10% additional federal tax. To qualify for the distribution, generally you, your spouse, or dependent had to have
                  been diagnosed with the virus, or you had to have been affected economically in certain ways because of the virus. The tax associated with the distributions
                  may be paid ratably over three years, beginning with the 2020 tax year. The CARES Act also allows you to recontribute the amount you withdrew to an eligible
                  retirement plan (to which you can make a rollover contribution) in one or more payments within three years.</font></div>
            </div>
            <div style="line-height:9.0pt;margin-top:7pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-style: italic; font-weight: bold;">Exceptions to the 10% Additional Federal Tax for Non-Qualified Contracts</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:8.33pt;"><font style="color: #000000; font-family: Times New Roman;">1)</font></div>
                <div style="float:left;line-height:12pt;margin-left:9.67pt;text-align:left;width:471.00pt;"><font style="color: #000000; font-family: Times New Roman;">paid on or after you reach age 59</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</font><font style="color: #000000; font-family: Times New Roman;">;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:8.33pt;"><font style="color: #000000; font-family: Times New Roman;">2)</font></div>
                <div style="float:left;line-height:12pt;margin-left:9.67pt;text-align:left;width:471.00pt;"><font style="color: #000000; font-family: Times New Roman;">paid after you die;</font></div>
              </div>
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            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:8.33pt;"><font style="color: #000000; font-family: Times New Roman;">3)</font></div>
                <div style="float:left;line-height:12pt;margin-left:9.67pt;text-align:left;width:471.00pt;"><font style="color: #000000; font-family: Times New Roman;">paid if you become totally disabled (as that term is defined in Section
                    72(m)(7) of the Code);</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:8.33pt;"><font style="color: #000000; font-family: Times New Roman;">4)</font></div>
                <div style="float:left;line-height:12pt;margin-left:9.67pt;text-align:left;width:471.00pt;"><font style="color: #000000; font-family: Times New Roman;">paid in a series of substantially equal payments made annually (or more
                    frequently) for your life (or life expectancy) or joint lives of you and your designated Beneficiary;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:8.33pt;"><font style="color: #000000; font-family: Times New Roman;">5)</font></div>
                <div style="float:left;line-height:12pt;margin-left:9.67pt;text-align:left;width:471.00pt;"><font style="color: #000000; font-family: Times New Roman;">paid as annuity payments under an immediate annuity; or</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:8.33pt;"><font style="color: #000000; font-family: Times New Roman;">6)</font></div>
                <div style="float:left;line-height:12pt;margin-left:9.67pt;text-align:left;width:471.00pt;"><font style="color: #000000; font-family: Times New Roman;">that come from Purchase Payments made before August 14, 1982.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">With respect to (4) above, if the series of substantially equal periodic payments is modified before the later of your attaining age 59</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</font><font style="color: #000000; font-family: Times New Roman;"> or the close
                  of the five year period that began on the date the first payment was received, then the tax for the year of the modification is increased by the 10%
                  additional federal tax, plus interest, for the tax years in which the exception was used. A partial withdrawal or prior to January 1, 2024, a partial 1035
                  exchange taken after a series of substantially equal periodic payments has begun will result in the modification of the series of substantially equal payments and therefore will result in the imposition of the 10% additional federal tax and interest for the period as described above. Adding Purchase Payments to a Contract that is making substantially equal periodic payments will also result in a
                  modification of the payments.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Non-Qualified Annuity Medicare Tax</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Distributions from Non-Qualified Contracts are considered investment income for purposes of the Medicare tax on investment income. Thus, in certain circumstances, a 3.8% tax may apply to some or all of the taxable portion of distributions (e.g. earnings) to individuals whose income exceeds certain threshold amounts ($200,000 for filing single, $250,000 for
                  married filing jointly and $125,000 for married filing separately.) This tax does not apply to distributions from Qualified Contracts. Please consult a tax
                  adviser for more information.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Payments for Financial Adviser Fees</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Any financial adviser fees that you choose to have us pay from this Contract to your Financial Professional or Financial Professional's firm may result in a taxable distribution. </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Please
                  consult with your Financial Professional before requesting us to pay financial adviser fees from this Contract rather than
                  from other assets you may have.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">RMDs From Qualified Contracts</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Distributions from a Qualified Contract must commence no later than the required beginning date. For Roth IRAs, no distributions are required during the Owner&#8217;s lifetime. For IRAs other than Roth IRAs, the required beginning date is April 1 of the calendar year following the year in which you attain age 73. If you reached age 70</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</font><font style="color: #000000; font-family: Times New Roman;"> on or before December 31, 2019, then age 70</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</font><font style="color: #000000; font-family: Times New Roman;"> applies instead of age 73. If you reached age 72 on or before December 31, 2022, then age 72 applies instead of age 73. If you reach age 74 after December 31, 2032, then age 75 applies instead of age 73. Under a qualified plan or 403(b), the required beginning date is generally April 1 of the calendar year following the later of the calendar year in which you reach the age noted for IRAs above or retire.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Generally, RMDs must be made over a period not exceeding the life or life expectancy of the individual or the joint lives or life expectancies of the individual and his or her designated Beneficiary. If the RMDs are not made, a 25% excise tax is </font></div>
            </div>
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            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;97&#8201;</font></div>
          </div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">imposed as to the amount not distributed. If you are attempting to satisfy these rules through partial withdrawals, the present value of future benefits provided under the Contract may need to be included in calculating the amount required to be distributed. If you enroll in our minimum distribution program, we make RMD payments to you that are designed to meet this Contract&#8217;s RMD requirements.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Diversification</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Code Section 817(h) and accompanying Treasury Department Regulations impose diversification standards on the assets underlying variable annuity contracts. The Code provides that a variable annuity contract cannot be treated as an annuity contract for any period during which its investments are not adequately diversified as required by the United States Treasury Department. If the Contract no longer qualifies as an annuity contract, you would be subject to federal income tax each
                  year with respect to Contract earnings accrued. We intend&#160;to manage all available Index Options, and we intend that all available underlying funds be managed
                  by the investment advisers so that they comply with these diversification standards.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Owner Control</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Treasury Department has indicated that the diversification regulations do not provide guidance regarding the circumstances in which an Owner&#8217;s control of the Separate Account&#8217;s investments may cause the Owner to be treated as the owner of the Separate Account&#8217;s assets, which would cause the Contract to lose its favorable tax treatment. In certain circumstances,
                  variable annuity contract owners have been considered for federal income tax purposes to be the owners of the separate account&#8217;s assets, due to their ability
                  to exercise investment control over those assets. In this case, the contract owners have been currently taxed on income and gains attributable to the variable
                  account assets. There is little guidance in this area and some of our Contract&#8217;s features, such as the flexibility of an Owner to allocate Purchase Payments
                  and transfer amounts among any available variable investment options, have not been explicitly addressed in published rulings. While we believe that the Contracts do not give Owners investment control over Separate Account assets, we reserve the right to modify the Contracts as necessary to prevent an Owner from being treated as the owner of the Separate Account assets.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Taxation of Income Payments</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We treat Income Payments as withdrawals for tax purposes while your Contract Value is positive. This means that, for Non-Qualified Contracts, </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">gains from the entire Contract are considered to
                  be distributed first and are subject to ordinary income tax.</font><font style="color: #000000; font-family: Times New Roman;">
                  Purchase Payments are distributed after gains have been paid out and are generally considered to be a return of your investment and are not subject to income
                  tax. While tax law is not entirely clear as to the proper tax treatment, once your Contract Value is reduced to zero we intend to treat Income Payments as
                  Annuity Payments for tax purposes. For Qualified Contracts, the total Income Payment is most likely subject to ordinary income tax. If you are taking withdrawals from the Contract to satisfy the requirements for substantially equal periodic payments under Section 72(t) or 72(q) of the Code and you begin Income Payments before the required series of withdrawals is complete, you may incur
                  additional penalties, including a 10% additional federal tax. If you begin Income Payments before age 59</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;position:relative;top:-2.66pt;">&#8202;1</font><font style="color: #000000; font-family: Times New Roman;">&#8725;</font><font style="color:#000000;font-family:Times New Roman;font-size:6pt;">2</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font><font style="color: #000000; font-family: Times New Roman;">the payments will generally be subject to a 10% additional federal tax.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Taxation of Annuity Payments</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">For Annuity Payments from Non-Qualified Contracts, the portion of each payment included in income is determined by an exclusion ratio. The exclusion ratio is a calculation that causes a portion of each Annuity Payment to be non-taxable, based upon the percentage of your Contract Value that is from Purchase Payments. We determine the exclusion ratio for Annuity Payments by dividing the investment in the Contract (adjusted for any guaranteed period or refund guarantee) by the expected return
                  anticipated to be paid as Annuity Payments (which is determined by Treasury Regulations). We determine the amount of each Annuity Payment that is excluded
                  from income by multiplying the Annuity Payment by the exclusion ratio. Annuity Payments received after the investment in the Contract has been recovered (for
                  example, when the total of the amounts excluded from income equal the investment in the Contract) are fully taxable.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Generally, Annuity Payments from Qualified Contracts are fully taxable unless you have separately tracked and reported any after-tax contributions that you have made. Annuity Payments that are qualified distributions from Roth IRAs are federal income tax free. Owners, Annuitants and Beneficiaries under the Contracts should seek competent financial advice about the
                  tax consequences of any distributions.</font></div>
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            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;98&#8201;</font></div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Distributions Upon the Owner&#8217;s Death (or Annuitant&#8217;s Death If the Owner Is a Non-individual)</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Section 72(s) of the Code requires that, to be treated as an annuity contract for federal income tax purposes, a Non-Qualified Contract must contain certain provisions regarding distributions when an Owner dies. Specifically, Section 72(s) requires that: (a) if an Annuitant dies on or after you annuitize the Contract, but before distribution of the entire
                  Contract&#8217;s interest, the entire Contract&#8217;s interest must be distributed at least as rapidly as under the distribution method being used as of the Annuitant&#8217;s
                  date of death; and (b) if any Owner (or the Annuitant if the Owner is a non-individual) dies before you annuitize the Contract, the Contract&#8217;s entire interest
                  must be distributed within five years after the Owner&#8217;s date of death.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">These requirements are satisfied as to any part of an Owner&#8217;s interest that is payable to, or for the benefit of, a designated Beneficiary and distributed over the designated Beneficiary&#8217;s life, or over a period not extending beyond that Beneficiary&#8217;s life expectancy, provided that distributions begin within one year of the Owner&#8217;s death. The designated Beneficiary refers to an individual designated by the Owner as a Beneficiary and to whom ownership of the Contract passes by reason of death.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">However, if the designated Beneficiary is the deceased Owner&#8217;s surviving spouse, the surviving spouse can continue the Contract as the new Owner. If a couple is married in a jurisdiction (including a foreign country) that recognizes same-sex marriage, that marriage will be recognized for all federal tax purposes regardless of the law in the jurisdiction where they reside. However, the IRS did not recognize civil unions and registered domestic partnerships as marriages for federal tax purposes. Depending on the state in which your Contract is issued, we may offer certain spousal benefits to same-sex civil union couples, domestic partners or spouses. You should be aware, however, that, if state law does not recognize the civil union or registered domestic partnership as a marriage, we cannot permit the surviving partner/spouse to continue the Contract within the meaning of the federal tax law.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Same-sex civil union couples, domestic partners and spouses should contact their financial professional and a qualified tax adviser regarding their personal tax situation, the implications of any Contract benefits based on a spousal relationship, and their partner&#8217;s/spouse&#8217;s rights and benefits under the Contract.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Non-Qualified Contracts contain provisions that are intended to comply with these Code requirements.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Upon death of an Owner of a Qualified Contract, the Setting Every Community Up for Retirement (SECURE) Act (contained within the Further Consolidated Appropriations Act enacted December 20, 2019) made significant changes to the payment options available to Beneficiaries of Owners who die on or after January 1, 2020. The rules discussed below reference
                  IRA Contracts, but similar rules also apply to qualified retirement plans. With some exceptions, IRA Beneficiaries must receive their entire death benefit by
                  December 31 following the tenth anniversary of the IRA Owner&#8217;s death.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The payment options for IRA Beneficiaries differ depending on several factors, including whether a Beneficiary is an Eligible Designated Beneficiary (EDB). An EDB includes any Beneficiary of the deceased IRA Owner who at time of death is: 1) the surviving spouse, 2) an individual not more than ten years younger than the IRA Owner, 3) a minor child of the IRA
                  Owner, 4) a chronically ill individual, or 5) disabled individual. EDB status is determined at the IRA Owner&#8217;s death.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If you are an EDB, then you can begin RMD payments based on your single life expectancy (&#8220;stretch payments&#8221;) in the year following the deceased Owner&#8217;s death. You must begin to receive these RMD payments by December 31 of the year following the deceased Owner&#8217;s death (but see the exception for a spouse beneficiary below). If you are an EDB that elected to receive
                  payments over your life expectancy, once you die, then your beneficiary must receive their entire death benefit by December 31 following the tenth anniversary
                  of your death. Proposed Treasury Regulations would also require your beneficiary in certain circumstances to continue stretch payments during this 10-year
                  period.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">For a minor child Beneficiary, the payments based on life expectancy may continue only until the minor child reaches the age of majority (age 21 or the age specified in Treasury Regulations), unless the original IRA Owner had already reached the date at which he/she was required to begin receiving RMD payments, proposed Treasury Regulations would require a minor child Beneficiary to receive an RMD payment each year if the Owner died on or after their required beginning date. The minor
                  child Beneficiary must receive their entire death benefit by December 31 following the tenth anniversary of reaching the age of majority.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If you were the spouse Beneficiary of the deceased Owner&#8217;s IRA Contract and your spouse had not yet reached the date at which he/she was required to begin receiving RMD payments (treating a Roth IRA as a traditional IRA for this purpose </font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;99&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_28"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">only), then you can wait to begin receiving RMD payments until the year that your spouse would have reached age 73 (age 75 if your spouse would have reached age 74 after December 31, 2032). Alternatively, if the deceased Owner had already reached the date at which he/she was required to begin receiving RMD payments, you must begin to receive these RMD payments by
                December 31 of the year following the deceased Owner&#8217;s death.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If you are a designated Beneficiary (generally an individual), but are not an EDB, the entire death benefit must be distributed by December 31 after the tenth anniversary of the IRA Owner&#8217;s death. If you die before the end of the ten-year period and the entire death benefit has not been distributed, your beneficiary must receive the entire death benefit by the same date you would have been required to receive the death benefit. Proposed Treasury Regulations would require you to receive an RMD each year if the Owner died on or after their required beginning date.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If the Beneficiary of the IRA Contract is a trust, current Treasury Regulations provide &#8220;see-through&#8221; treatment for trusts that meet certain requirements. If such treatment applies, the beneficiaries of the trust, rather than the trust itself will be treated as having been designated as beneficiaries of the IRA Contract for purposes of determining the distribution period for RMD payments. Due to the changes made by SECURE, there is uncertainty regarding which distribution options are available when a trust is the Beneficiary of an IRA Contract. Proposed Treasury Regulations provide some additional information.
                  Further clarification of situations involving trust Beneficiaries is expected to be provided when the Treasury Department finalizes proposed regulations.
                  Individuals are encouraged to seek guidance from their own tax professional or legal counsel to determine how these new rules apply to their particular
                  situation.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If the IRA Beneficiary is not a &#8220;designated beneficiary&#8221; (e.g., beneficiary is an estate, charity, or a trust that does not meet the requirements for &#8220;see-through&#8221; treatment), then the payment options are unchanged by the SECURE Act. If the IRA Owner had not yet reached the date at which he/she was required to begin receiving RMD payments (treating a Roth IRA as a traditional
                  IRA for this purpose only), then these IRA Beneficiaries must receive their entire death benefit by December 31 following the fifth anniversary of the IRA
                  Owner&#8217;s death. Alternatively, if the deceased Owner had already reached the date at which he/she was required to begin receiving RMD payments, these IRA
                  Beneficiaries can begin RMD payments based on the single life expectancy of the Owner in the year of the deceased Owner&#8217;s death, reduced by one. These Beneficiaries must begin to receive these RMD payments by December 31 of the year following the deceased Owner&#8217;s death.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The SECURE Act impacts situations when the IRA Owner died before January 1, 2020 and the Beneficiary had elected stretch payments. In this situation, the stretch payments can continue to the Beneficiary, but once that Beneficiary dies, the successor beneficiary must receive any remaining death benefit by December 31 following the tenth anniversary of the original Beneficiary&#8217;s death. Proposed Treasury Regulations would require the successor beneficiary to receive an RMD payment each
                  year.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The SECURE Act may limit the annuitization options that a Beneficiary may elect at the IRA Owner&#8217;s death to comply with the new death benefit payment rules. Also, if an IRA Owner elected an annuitization option and then dies, action may be needed by the Beneficiary if any remaining Annuity Payments do not comply with the new death benefit payment rules for a Beneficiary.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Tax-Free Section 1035 Exchanges</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Subject to certain restrictions, you can make a &#8220;tax-free&#8221; exchange under Section 1035 of the Code for all or a portion of one non-qualified annuity contract for another, or all of a life insurance policy for a non-qualified annuity contract. If you perform a partial 1035 exchange, please be aware that no distributions or withdrawals can occur from the old or new annuity contract within 180 days of the partial exchange, unless you qualify for an exception to this rule. IRS guidance also provides
                  that certain partial exchanges may not qualify as tax-free exchanges. You should consult a tax adviser to discuss the potential tax effects before making a
                  1035 exchange.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Before making an exchange, you should compare both contracts carefully. Remember that if you exchange a life insurance policy or annuity contract for the Contract described in this prospectus:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">you might have to pay a withdrawal charge on your previous contract,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">there is a new withdrawal charge period for this Contract,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">other fees and expenses under this Contract may be higher (or lower),</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the benefits may be different, and</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">you no longer have access to any benefits from your previous contract.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;100&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
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      <div><a name="xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_29"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">If the exchange does not qualify for Section 1035 treatment, you also may have to pay federal income tax, including a possible additional federal tax, on the exchange. You should not exchange an existing life insurance policy or another annuity contract for this Contract unless you determine the exchange is in your best interest and not just better for the person
                selling you the Contract&#160;who generally earns a commission on each sale.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Multiple Non-Qualified Contracts Purchased In the Same Year By the Same Owner</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Code Section 72(e)(12) provides that multiple Non-Qualified deferred annuity contracts issued within the same calendar year to the same owner by one company or its affiliates are treated as one annuity contract for purposes of determining a distribution&#8217;s tax consequences. This treatment may result in adverse tax consequences, including more rapid taxation of distributions from combined contracts. For purposes of this rule, contracts received in a Section 1035 exchange are considered issued in the year of the exchange. You should consult a tax adviser before requesting a distribution if you purchased more
                  than one Non-Qualified Contract in any calendar year period.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Assignments, Pledges and Gratuitous Transfers</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Any assignment or pledge (or agreement to assign or pledge) the Contract Value is treated for federal income tax purposes as a full withdrawal. The Contract will not qualify for tax deferral while the assignment or pledge is effective. Qualified Contracts generally cannot be assigned, pledged, or transferred to another individual. For Non-Qualified Contracts, the Contract&#8217;s cost basis is increased by the amount includible as income with respect to such amount or portion, though it is not
                  affected by any other aspect of the assignment or pledge (including its release). If an Owner transfers a Non-Qualified Contract (an ownership change) without
                  adequate consideration to a person other than their spouse (or to a former spouse incident to divorce), the Owner is taxed on the difference between his or
                  her Contract Value and the Contract&#8217;s cost basis at the time of transfer. In such case, the transferee&#8217;s investment in the Contract is increased to reflect
                  the increase in the transferor&#8217;s income. An Owner should consult a tax adviser before requesting an assignment, transfer, or pledge.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Income Tax Withholding</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Any part of a distribution that is taxable to the Owner or Beneficiary is subject to federal and/or state income tax withholding. Generally, we withhold amounts from Annuity Payments at the same rate as wages, and we withhold 10% from non-periodic payments, such as withdrawals. However, in most cases, you may elect not to have taxes withheld or to have
                  withholding done at a different rate.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Certain distributions from retirement plans qualified under Code Section 401 that are not directly rolled over to another eligible retirement plan or IRA, are subject to a mandatory 20% federal income tax withholding. The 20% withholding requirement generally does not apply to:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">a series of substantially equal payments made at least annually for the life
                    or life expectancy of the participant or joint and last survivor expectancy of the participant and a designated Beneficiary, or for a specified period of
                    ten years or more; or</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">RMDs; or</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">any part of a distribution not included in gross income (for example, returns
                    of after-tax contributions); or</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">hardship withdrawals.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Plan participants should consult a tax adviser regarding income tax withholding requirements.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Federal Estate Taxes</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">While no attempt is being made to discuss the Contract&#8217;s federal estate tax implications, an Owner should keep in mind the annuity contract&#8217;s value payable to a Beneficiary upon the Owner&#8217;s death is included in the deceased Owner&#8217;s gross estate. Depending on the annuity contract, the annuity&#8217;s value included in the gross estate may be the value of the lump sum payment payable to the designated Beneficiary, or the actuarial value of the payments to be received by the Beneficiary. Consult an
                  estate planning adviser for more information.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Generation-Skipping Transfer Tax</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Code may impose a &#8220;generation-skipping transfer tax&#8221; when all or part of an annuity contract is transferred to, or a death benefit is paid to, an individual two or more generations younger than the Owner. Regulations may require us to deduct this tax from your Contract, or from any applicable payment, and pay it directly to the IRS.</font></div>
            </div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;101&#8201;</font></div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Foreign Tax Credits</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We may benefit from any foreign tax credits attributable to taxes paid by certain funds to foreign jurisdictions to the extent permitted under the federal tax law.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Possible Tax Law Changes</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Although the likelihood of legislative or regulatory changes is uncertain, there is always the possibility that the Contract&#8217;s tax treatment could change. Consult a tax adviser with respect to legislative or regulatory developments and their effect on the Contract.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We have the right to modify the Contract in response to legislative or regulatory changes that could otherwise diminish the favorable tax treatment that annuity owners currently receive. We make no guarantee regarding the tax status of any Contract and do not intend the above discussion as tax advice.</font></div>
            </div>
            <div style="line-height:13.0pt;margin-top:11.5pt;text-align:left;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 12.0pt; position: relative; top: -2pt; width: 494pt;"><font style="color: #000000; font-size: 11pt; text-transform: lowercase;">13.</font><font style="color: #000000; font-size: 11pt; line-height: 13pt; text-transform: uppercase;">&#8194;</font><font style="color: #000000; font-size: 11pt; text-transform: uppercase;">Other Information</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">The Registered Separate Account</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We established Allianz Life Variable Account B (the Separate Account) as a separate account under Minnesota insurance law on May 31, 1985. The Separate Account is registered with the SEC as a unit investment trust under the Investment Company Act of 1940. The SEC does not supervise our management of the Separate Account.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Separate Account holds the Fund's shares that have been purchased with Contract assets. We keep the Separate Account assets separate from the assets of our general account and other separate accounts, including the non-unitized separate accounts we established in connection with the Index Options. The Separate Account is divided into subaccounts, each of
                  which is a variable investment option under one or more variable annuity contracts that we issue through the Separate Account. The only subaccount currently
                  available under this Contract is the Variable Option, which invests exclusively in shares of the AZL Government Money Market Fund.&#160;</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We own the assets of the Separate Account. Income, gains, and losses credited to, or charged against, the Separate Account reflect the Separate Account&#8217;s own investment experience and not the investment experience of our other assets. The assets of the Separate Account may not be used to pay any liabilities of Allianz Life other than those arising from the variable investment portion of the Contracts and other variable annuity contracts supported by the Separate Account.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If the Separate Account&#8217;s assets exceed the required reserves and other liabilities, we may transfer the excess to our general account, to the extent of seed money invested by us or earned fees and expenses. The obligations under the Contracts are obligations of Allianz Life. We are obligated to pay all amounts promised to investors under the Contracts.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Our General Account</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Our general account holds all our assets other than assets in our separate accounts. We own our general account assets, and, subject to applicable law, have sole investment discretion over them. The assets are subject to our general business operation liabilities and claims of our creditors and may lose value. We have not registered our general account as an investment company under the Investment Company Act of 1940.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Our general account assets fund guarantees provided in the Contracts, including obligations associated with Income Payments and the death benefit. Contract Value that you apply to Annuity Payments becomes part of our general account.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Our Unregistered Separate Account</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We hold the assets you allocate to the Index Options in Separate Account IANA, which we established under Minnesota Insurance Law for the purpose of supporting our obligations to pay Performance Credits. We invest the assets in Separate Account IANA in hedging instruments, including derivative hedging instruments such as put and call options, as well as cash and fixed income securities. Like our general account, the assets in Separate Account IANA are subject to our general business
                  operation liabilities and the claims of our creditors. An Owner who allocates Contract Value to an Index Option does not have any interest in or claim on the
                  assets in Separate Account IANA. In addition, neither the Owner nor these Index Options participate in any way in the performance of assets held in Separate
                  Account IANA.</font></div>
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            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;102&#8201;</font></div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Distribution</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Allianz Life Financial Services, LLC (ALFS), a wholly owned subsidiary of Allianz Life Insurance Company of North America, serves as principal underwriter for the Contracts. ALFS is a limited liability company organized in Minnesota, and is located at 5701 Golden Hills Drive, Minneapolis, MN 55416. ALFS is registered as a broker-dealer with the SEC under the
                  Securities Exchange Act of 1934, as well as with the securities commissions in the states in which it operates, and is a member of the Financial Industry
                  Regulatory Authority (FINRA). ALFS is not a member of Securities Investors Protection Corporation. More information about ALFS is available at </font><font style="color: #000000; font-family: Times New Roman; text-decoration: underline;">www.finra.org</font><font style="color: #000000; font-family: Times New Roman;"> or by calling 1-800-289-9999. You also can obtain an investor brochure from FINRA describing its Public Disclosure Program.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We have entered into a distribution agreement with ALFS for the distribution of the Contracts. ALFS also may perform various administrative services on our behalf.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We may fund ALFS operating and other expenses, including:</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">overhead,</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
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                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">legal fees,</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
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                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman;">accounting fees,</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
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              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Financial Professional training,</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
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              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">compensation for the ALFS management team, and</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
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              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">other expenses associated with the Contracts.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Financial Professionals and their managers may also be eligible for various benefits, such as production incentive bonuses, insurance benefits, and non-cash compensation items that we may provide jointly with ALFS. Non-cash items include conferences, seminars and trips (including travel, lodging and meals in connection therewith), entertainment, awards, merchandise and
                  other similar items.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">ALFS does not itself sell the Contracts on a retail basis. Rather, ALFS enters into selling agreements with other broker-dealers registered under the 1934 Act (selling firms) for the sale of the Contracts. We pay sales commissions to the selling firms and their Financial Professionals. The maximum commission payable to the selling firms for Contract sales is expected to not exceed 7% of Purchase Payments.&#160; Sometimes, we enter into an agreement with a selling firm to pay commissions as a combination of a certain amount of the commission at the time of sale and a trail commission which, when totaled,
                  could exceed 7% of Purchase Payments.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.0pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The following table shows the aggregate dollar amount of underwriting commissions paid to ALFS for Allianz Life&#8217;s last fiscal year. The underwriter did not retain any part of the commissions.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
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            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z5c1cd3c099db4fe882ab27e05310b23a" style="empty-cells:show;margin-left:179.94pt;width:134.12pt;">

                  <tr style="height:10.75pt;">
                    <td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:68.85pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-right:6pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">&#160;</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.75pt;padding-top:1.75pt;vertical-align:Bottom;width:65.27pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:6pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">2023</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:12.75pt;">
                    <td style="padding-bottom:1pt;padding-top:1.75pt;vertical-align:Top;width:68.85pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Commission paid</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:1pt;padding-top:1.75pt;vertical-align:Top;width:65.27pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;">$ 47,858,596.18</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:9pt;text-align:left;">
              <div style="margin-top:9pt;"><font style="color: #000000; font-family: Times New Roman;">We and/or ALFS may make bonus payments to certain selling firms based on aggregate sales of our variable insurance contracts (including this Contract) or persistency standards, or as part of a special promotion. These additional payments are not offered to all selling firms, and the terms of any particular agreement governing the payments may vary among selling firms. In some instances, the amount paid may be significant.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">A portion of the payments made to selling firms may be passed on to their Financial Professionals. Financial Professionals may receive cash and non-cash compensation and other benefits. Ask your Financial Professional for further information about what they and their firm may receive in connection with your Contract.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Commissions paid on the Contract, including other incentives or payments, are not charged directly to the Owners or the Separate Account. We intend to recover commissions and other expenses indirectly through fees and expenses imposed under the Contract.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Broker-dealers and their Financial Professionals and managers involved in sales of the Contracts may receive payments from us for administrative and other services that do not directly involve the sale of the Contracts, including payments made for recordkeeping, the recruitment and training of personnel, production of promotional literature and similar services. In addition, certain firms and their Financial Professionals may receive compensation for distribution and administrative
                  services when acting in a wholesaling capacity and working with retail firms.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">In certain instances, we and/or ALFS may make payments to a broker-dealer for inclusion of this Contract in its list of products that it offers for sale.</font></div>
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            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;103&#8201;</font></div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">We and/or ALFS may pay certain selling firms additional marketing support allowances for:</font></div>
            <div>
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                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">marketing services and increased access to their Financial Professionals;</font></div>
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                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">sales promotions relating to the Contracts;</font></div>
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                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">costs associated with sales conferences and educational seminars;</font></div>
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                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">the cost of client meetings and presentations; and</font></div>
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                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">other sales expenses incurred by them.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We retain substantial discretion in determining whether to grant a marketing support payment to a particular broker-dealer firm and the amount of any such payment.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We may also make payments for marketing and wholesaling support to broker-dealer affiliates of underlying funds that are available through the annuities we offer.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Additional information regarding marketing support payments can be found in the Distributor section of the Statement of Additional Information.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Some Financial Professionals may have a financial incentive to offer you a new contract in place of the one you already own. You should only exchange your contract if you determine, after comparing the features, fees and risks of both contracts, that it is better for you to purchase the new contract rather than continue to own your existing contract.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The AZL Government Money Market Fund assesses a Rule 12b-1 fee of 0.25% of the Fund&#8217;s average daily net assets for the most recent calendar year. This fee is paid to ALFS as consideration for providing distribution and certain other services and incurring certain expenses permitted under the Fund&#8217;s plan.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">In certain instances, an investment adviser and/or subadviser (and/or their affiliates) of an underlying fund may make payments for administrative services to ALFS or its affiliates.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We offer the Contracts to the public on a continuous basis. We anticipate continuing to offer the Contracts but reserve the right to discontinue the offering.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Additional Credits for Certain Groups</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We may credit additional amounts to a Contract instead of modifying charges because of special circumstances that result in lower sales or administrative expenses or better than expected mortality or persistency experience.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Administration/Allianz Service Center</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Allianz Service Center performs certain administrative services regarding the Contracts and is located at 5701 Golden Hills Drive, Minneapolis, Minnesota. The Service Center mailing address and telephone number are listed at the back of this prospectus. The administrative and routine customer services performed by our Service Center include processing and mailing of
                  account statements and other mailings to Owners, responding to Owner correspondence and inquiries. Allianz Life also contracts with Tata Consultancy Services
                  (Tata) located at #42(P) &amp; 45(P), Think Campus, Electronic City, Phase II, Bangalore, Karnataka 560100, India, to perform certain administrative services
                  including:</font></div>
            </div>
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                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">issuance and&#160;maintenance of the Contracts,</font></div>
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                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">maintenance of Owner records, and</font></div>
              </div>
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            </div>
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                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">routine customer service including:</font></div>
              </div>
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            </div>
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                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">processing of Contract changes,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">processing withdrawal requests (both partial and total), and</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:10.63pt;"><font style="color: #000000; font-family: Times New Roman;">&#8722;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:3.37pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">processing requests for fixed annuity payments.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Services performed by Tata are overseen and quality control checked by our Service Center.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">To reduce expenses, only one copy of most financial reports and prospectuses, including reports and the prospectus for the Fund, may be mailed to your household, even if you or other persons in your household have more than one contract issued by us or our affiliate. Call our Service Center at the toll-free telephone number listed at the back of this prospectus if you need additional copies of financial reports, prospectuses, or annual and semiannual reports, or if you would like to receive one copy for each contract in future mailings.</font></div>
            </div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;104&#8201;</font></div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Legal Proceedings</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We and our subsidiaries, like other life insurance companies, from time to time are involved in legal proceedings of various kinds, including regulatory proceedings and individual and class action lawsuits. In some legal proceedings involving insurers, substantial damages have been sought and/or material settlement payments have been made. Although the outcome of
                  any such proceedings cannot be predicted with certainty, we believe that, at the present time, there are no pending or threatened legal proceedings to which
                  we, the Separate Account, or ALFS is a party that are reasonably likely to materially affect the Separate Account, our ability to meet our obligations under
                  the Contracts, or ALFS ability to perform its obligations.</font></div>
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            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Status Pursuant to Securities Exchange Act of 1934</font></div>
            </div>
            <div style="line-height:10.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Allianz Life hereby relies on the exemption provided by Rule 12h-7 under the Securities Exchange Act of 1934 from the requirement to file reports pursuant to Section 15(d) of that Act.</font></div>
            </div>
            <div style="line-height:13.0pt;margin-top:11.5pt;text-align:left;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 12.0pt; position: relative; top: -2pt; width: 494pt;"><font style="color: #000000; font-size: 11pt; text-transform: lowercase;">14.</font><font style="color: #000000; font-size: 11pt; line-height: 13pt; text-transform: uppercase;">&#8194;</font><font style="color: #000000; font-size: 11pt; text-transform: uppercase;">Information on Allianz Life</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Allianz Life is a stock life insurance company organized under the laws of the State of Minnesota in 1896. Our address is 5701 Golden Hills Drive, Minneapolis, MN 55416. We are a wholly owned subsidiary of Allianz of America, Inc. (AZOA), a financial holding company. AZOA is a wholly owned subsidiary of Allianz Europe, B.V., which in turn is a wholly owned
                  subsidiary of Allianz SE, which is registered in Munich, Germany. We currently offer fixed index annuities, individual life insurance, and registered
                  index-linked annuities. We are licensed to do direct business in 49 states and the District of Columbia.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Directors, Executive Officers and Corporate Governance</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">BOARD OF DIRECTORS</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Board currently consists of eight members, including our Chair, our President and Chief Executive Officer, our Chief Financial Officer and Treasurer, four independent outside board members, and one non-independent board member. Age and positions are provided as of December 31, 2023, except as otherwise noted.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Board holds regular quarterly meetings, generally in February, April/May, July/August, and October/November of each year, and holds special meetings or takes action by unanimous written consent as circumstances warrant. The Board has standing Executive, Audit, and Nomination, Evaluation and Compensation Committees, each of which is described in further detail
                  below.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The current members of our Board are as follows.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Andreas G. Wimmer</font> <br>
                <font style="color: #000000; font-family: Times New Roman; font-weight: bold; margin-left: 0%;">Director and Chair of the Board</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Andreas G. Wimmer, age 49, joined Allianz Life&#8217;s Board of Directors January 1, 2022 and currently serves as the Chair of the Board of Directors and Chair of its Executive Committee. Mr. Wimmer also has served as a Member of the Board of Management of Allianz SE since October 2021. Mr. Wimmer served as the Chair of the Board of Directors of Allianz Asset Management GmbH
                  from October 2021 to June 2022, the Chief Executive Officer of Allianz Lebensversicherungs-AG from January 2020 to March 2022 and as a Member of the Board of
                  Management of Allianz Deutschland AG from January 2020 to October 2021, respectively. Mr. Wimmer previously served as a member of the Board of Management, Corp. Clients of Allianz Lebensversicherungs-AG from 2015 to 2019. Mr. Wimmer also previously served as a Member of the Governing Board of HSBC Trinkaus &amp; Burkhardt AG from October 2020 to December 2021, Supervisory Boards of IconicFinance GmbH
                  from April 2021 to January 2022, Syncier GmbH from August 2020 to April 2022 and Deutsche Lebensversicherungs AG from February 2015 to October 2021. Mr.
                  Wimmer has held several other positions with Allianz affiliates.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Mr. Wimmer brings to the Board extensive experience in the financial services and insurance industries, as well as extensive experience in investments and asset management, including serving as a Member of the Board of Management of Allianz SE, Asset Management, US Life Insurance.</font></div>
            </div>
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            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;105&#8201;</font></div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Jasmine M. Jirele</font> <br>
              <font style="color: #000000; font-family: Times New Roman; font-weight: bold; margin-left: 0%;">Director, President, and Chief Executive Officer</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Jasmine M. Jirele, age 46, joined Allianz Life in 2018 and currently serves as its President and Chief Executive Officer and a member of its Board of Directors and its Executive Committee effective September 1, 2021. Ms. Jirele also serves as the Chair of the Board and the Chief Executive Officer of Allianz Life of New York and as the Chair of its Executive and Conflict of Interest Committees. She also serves as the Chair of the Board of AZOA Services Corporation and as the Chair of its
                  Shared Plans Management Committee. Ms. Jirele also serves as a Governor of Allianz Investment Management U.S. LLC, and as a Director of Allianz Australia Life
                  Insurance Holdings Limited, Allianz Australia Life Insurance Limited and Allianz Australia Life Policy Services Pty Limited. Ms. Jirele also serves as a
                  member of the Allianz Australia Life Insurance Limited Board Customer, Conduct and Culture Committee.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Previously, Ms. Jirele was the Senior Vice President, Chief Growth Officer of Allianz Life from October 2018 to September 2021. In that role, Ms. Jirele was responsible for the oversight of new business strategy, product innovation, marketing, and corporate communications. Previously, Ms. Jirele was a Governor of Allianz Strategic Investments, LLC from January to October 2021 and a Governor of Allianz Individual Insurance Group, LLC and TruChoice Financial Group, LLC from
                  September 2021 to November 2022. She was previously a Governor of Allianz Investment Management LLC from January 1, 2021 to February 15, 2022. Ms. Jirele was
                  also the President of AZOA Services Corporation from September 2021 to March 2022. Prior to that, Ms. Jirele was the Executive Vice President, Head of
                  Customer Excellence at Wells Fargo Consumer Bank/Consumer Auto.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Ms. Jirele brings to the Board extensive operations, product innovation, marketing and communications, growth strategy and insurance industry experience.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">William E. Gaumond</font> <br>
                <font style="color: #000000; font-family: Times New Roman; font-weight: bold; line-height: 12pt;"> </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; margin-left: 0%;">Director, Senior Vice
                  President, Chief Financial Officer and Treasurer</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">William E. Gaumond, age 50, joined Allianz Life in 2004 and has served as Senior Vice President, Chief Financial Officer and Treasurer, and as a member of the Board of Directors since January 1, 2016. Mr. Gaumond also serves as a Director of Allianz Life of New York, its Chief Financial Officer and Treasurer, and as a member of its Executive Committee and Chair of its Finance Committee.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Mr. Gaumond also has served as the Chief Financial Officer of Allianz Foundation for North America since March 2016. He also serves as a Governor of Allianz Life Financial Services, LLC, Allianz Investment Management U.S. LLC, and Allianz Strategic Investments, LLC. Mr. Gaumond also serves as a Director and the President of Allianz Fund Investments, Inc., AZL PF
                  Investments, Inc., and Dresdner Kleinwort Pfandbriefe Investments II, Inc..</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Mr. Gaumond also serves as a Director and the President of AZOA Services Corporation. He is also a Director of Questar Agency, Inc., Questar Capital Corporation, Yorktown Financial Companies, Inc., and Allianz Technology of America, Inc. Mr. Gaumond also serves as a Director of Allianz of America, Inc., and as its Executive Vice President. He also serves as a Director
                  of Allianz Finance Corporation, and as its Chief Financial Officer and Treasurer.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Mr. Gaumond previously served as a Director of Questar Asset Management, Inc. from January 2016 to September 2021, and as a Governor of Allianz Individual Insurance Group, LLC and TruChoice Financial Group, LLC from January 2018 to November 2022. Mr. Gaumond served as the President of PFP Holdings, Inc. from December 2015 to February 2021 and as a Director of
                  PFP Holdings, Inc. from December of 2015 to December of 2022. Mr. Gaumond previously served as the Interim Controller for Allianz Life and Allianz Life of New
                  York, and as the Interim Treasurer for Allianz Foundation for North America, from October 2022 through March 2023. Mr. Gaumond also served as a Director and
                  the Interim Vice President, Controller and Assistant Treasurer and a Director of Allianz Life Insurance Company of Missouri through March 2023.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Mr. Gaumond brings to the Board extensive financial services, investment, and insurance industry experience. Mr. Gaumond is responsible for all finance and risk management functions, with oversight of the controller, financial planning, treasury, and corporate risk management areas.</font></div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Lauren K. Day</font> <br>
              <font style="color: #000000; font-family: Times New Roman; font-weight: bold; line-height: 12pt;"> </font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; margin-left: 0%;">Director</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Lauren K. Day, age 46, joined the Allianz Life Board of Directors on May 9, 2023. Ms. Day has been the Group Head of Communications and Reputation of Allianz SE since August of 2021. Ms. Day also has been a member of the Board of Directors of Allianz Foundation for North America since October of 2021, a Member of the Board of Directors of the American Council on
                  Germany since 2022, and the Chair of the Advisory Board of Annycent Capital Partners since August 2021.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Prior to joining Allianz SE, Ms. Day served as Head of Strategy and Capital Relationships at Annycent Capital Partners from January to July of 2021. She also served at Prudential Financial, Inc. as Chief Communications Officer from 2015 to 2021 and as Vice President, Corporate and Financial Communications from 2011 to 2013. Ms. Day also served as the Managing Director, Head of Communications and Corporate Responsibility at AXA from 2013 to 2015. Prior to that, she held high-level
                  communications positions at American International Group, Inc., AIG Investments, and KfW Group.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Ms. Day brings to the Board over 20 years of global communications, strategy and business development experience spanning the private and public sectors of developed and emerging markets in North America, Asia, and Western, Central and Eastern Europe.</font></div>
            </div>
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              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Udo Frank</font> <br>
                <font style="color: #000000; font-family: Times New Roman; font-weight: bold; margin-left: 0%;">Director</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Udo Frank, age 64, joined Allianz Life&#8217;s Board of Directors on May 1, 2015 and serves as its Lead Independent Director, the Chair of its Audit Committee and as a member of its Nomination, Evaluation and Compensation Committee and its Executive Committee. Mr. Frank has also served as a Director of Allianz Life of New York, its Lead Independent Director, as the Chair
                  of its Audit and Evaluation Committee, and as a member of its Executive Committee and Finance Committee since January 1, 2024. Mr. Frank has over 30 years of
                  experience in the financial services and insurance industries. Mr. Frank worked for various Allianz SE investment and asset management affiliates from 1994 to
                  2014, including serving in numerous executive positions. Mr. Frank served as the Global Chief Executive Officer of RCM Capital Management, LLC from 2001 to 2011. From 2012 to 2014, he served as the Head of Product Management and Chief Marketing Officer of Allianz Global Investors &#8211; U.S.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Mr. Frank brings to the Board extensive experience in the financial services and insurance industries, as well as extensive experience in investments and asset management.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Kevin E. Walker</font> <br>
                <font style="color: #000000; font-family: Times New Roman; font-weight: bold; margin-left: 0%;">Independent Director</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Kevin E. Walker, age 61, joined Allianz Life&#8217;s Board of Directors on May 23, 2017, and serves as a member of its Audit Committee and Chair of its Nomination, Evaluation and Compensation Committee. Mr. Walker also serves as a Director of Allianz Life of New York, and as a member of its Audit and Evaluation Committee and its Finance Committee. Mr. Walker also serves
                  as the Chair and Director of Allianz Reinsurance America, Inc., and is a member of its Audit Committee and Executive Committee. Mr. Walker has over 30 years
                  of insurance and financial services experience. Mr. Walker served at various Allianz affiliates throughout his career, most recently as the President and
                  Chief Executive Officer of Allianz Reinsurance America, Inc. from 2015 to 2016. Mr. Walker has also served as a director and officer for several other Allianz affiliates.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Mr. Walker brings to the Board extensive experience in the insurance industry, as well as extensive experience in finance and operations.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Walter R. White</font> <br>
                <font style="color: #000000; font-family: Times New Roman; font-weight: bold; margin-left: 0%;">Director</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Walter R. White, age 67, joined Allianz Life in 2009 and has served as an Allianz Life Board member since January 1, 2012. Mr. White also has served as a member of its Audit Committee and its Nomination, Evaluation and Compensation Committee since May 2022. Mr. White also has served as a Director of Allianz Life of New York and as a member its Audit and Evaluation
                  Committee and its Conflict of Interest Committee since January 1, 2024. Previously, Mr. White served as the President, Chief Executive Officer, and as a
                  member of the Executive Committee of Allianz Life from January 1, 2012 to September 1, 2021; and then as a Senior Advisor through December 31, 2021. Mr. White
                  also previously served as the Chair of the Board, the Chief Executive Officer, Chair of the Executive Committee and Chair of the Conflict of Interest Committee of Allianz Life of New York, and as a Board member and the President of AZOA </font></div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">Services Corporation and as the Chair of its Shared Plans Management Committee. Mr. White also served as a Governor of Allianz Individual Insurance Group, LLC, Allianz Investment Management LLC, Allianz Investment Management U.S. LLC, and TruChoice Financial Group, LLC. In addition, Mr. White previously served as a Director of Questar Capital Corporation and
                Questar Agency, Inc.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Mr. White brings to the Board extensive financial services and brokerage experience as well as key strategic planning and leadership skills developed as the former President and Chief Executive Officer of Allianz Life and the former President of Woodbury Financial.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Howard E. Woolley</font> <br>
                <font style="color: #000000; font-family: Times New Roman; font-weight: bold; margin-left: 0%;">Director</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Howard E. Woolley, age 66, joined Allianz Life&#8217;s Board of Directors on May 1, 2020 and is a member of its Audit Committee and its Nomination, Evaluation and Compensation Committee. Mr. Woolley also has served as a Director of Allianz Life of New York and as a member its Audit and Evaluation Committee since January 1, 2024. In 2015, Mr. Woolley formed Howard
                  Woolley Group LLC, a strategic business and public policy firm serving leading technology and wireless industry clients, and serves as its President. He is a
                  leader in the field of regulatory risk management, public policy, and government affairs. Mr. Woolley is an NACD Leadership Fellow and an international member
                  of the Australian Institute of Company Directors. Mr. Woolley serves as a member of the board of directors of Apple Hospitality REIT, Inc., a publicly traded real estate investment trust that owns hotels across the United States, and is a member of its Compensation Committee and its Nomination and Governance Committee. He also serves as the Lead Independent Director for telecommunications company Somos Inc., and is a member of its Executive Committee, its Compensation Committee and its
                  Nomination and Governance Committee. He serves on the boards of trustees for Johns Hopkins Medicine, Johns Hopkins University and Syracuse University. Mr.
                  Woolley is co-chair of the Johns Hopkins University &amp; Medicine External Affairs Committee and serves on the Johns Hopkins Medicine Executive Committee and
                  the Syracuse University Audit, Academic Affairs and Executive Committees.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Mr. Woolley brings to the Board more than 20 years of extensive board experience and brings a wealth of experience and insights in several areas, including risk management.</font></div>
            </div>
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              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">EXECUTIVE OFFICERS</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The current executive officers (other than Ms. Jirele and Mr. Gaumond) are as follows. Age and positions are provided as of December 31, 2023, except as otherwise noted.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Karim Akhavan-Hezavei</font> <br>
                <font style="color: #000000; font-family: Times New Roman; font-weight: bold; margin-left: 0%;">Senior Vice President, Chief Operating Officer</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Karim Akhavan-Hezavei, age 47, joined Allianz Life August 1, 2022 and currently serves as its Senior Vice President, Chief Operating Officer. He also serves as the Chief Operating Officer of Allianz Life of New York. Mr. Akhavan-Hezavei is responsible for Enterprise Operations, IT, and IT Security functions. Mr. Akhavan-Hezavei also has served as a Director of
                  Allianz Technology of America, Inc. since November 2022.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Mr. Akhavan-Hezavei was previously the Chief Operating Officer for Allianz Services from January 2019 to July 2022. He was also a member of the Allianz Services Executive Management team with responsibility for operations and IT, global projects, and development of global business models.&#160;</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Mr. Akhavan-Hezavei has served at various Allianz affiliates since 2013 in a variety of senior leadership roles. Prior to joining Allianz, he held positions with Siemens and Ernst &amp; Young Consulting.&#160; Mr. Akhavan-Hezavei has a Master&#8217;s degree in Economics from Ludwig-Maximillans University in Munich, Germany.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Gretchen Cepek</font> <br>
                <font style="color: #000000; font-family: Times New Roman; font-weight: bold; margin-left: 0%;">Senior Vice President, General Counsel, and Secretary</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Gretchen Cepek, age 55, joined Allianz Life in 2009 and has served as Senior Vice President, General Counsel and Secretary since February 17, 2012. In this role, Ms. Cepek is responsible for the legal, ethics, and compliance departments as well as government relations and the special investigations unit. She also serves as the Chief Legal Officer and Secretary of Allianz Life of New York and as a member of its Conflict of Interest Committee, and as General Counsel and Secretary of AZOA Services Corporation. She is also a Director and the Chair and President of Allianz Foundation for North America. Ms. Cepek
                  received her J.D. from Valparaiso University School of Law in 1993</font></div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Jenny L. Guldseth</font> <br>
              <font style="color: #000000; font-family: Times New Roman; font-weight: bold; margin-left: 0%;">Senior Vice President, Chief People &amp; Culture Officer</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Jenny L. Guldseth, age 48, joined Allianz Life in 2005 and has served as the Senior Vice President, Chief People and Culture Officer, and as Chair of its Benefits Plans Administration Committee since January 1, 2019. In this position, Ms. Guldseth is responsible for setting strategy and leading the People and Culture and Facilities departments to improve business results and increase employee engagement. Ms. Guldseth is also a Director of the Allianz Foundation for North America, the
                  Chief People &amp; Culture Officer of AZOA Services Corporation, and the Chair of its Employee Benefits Administration Committee and a member of its Benefit
                  Plans Investment Committee and its Shared Plans Management Committee. Ms. Guldseth has over ten years of experience at Allianz Life, including, in part,
                  having served as the Vice President, Rewards and Performance from 2017 to 2018. In this position she was responsible for the performance and compensation functions for Allianz Life and the benefits functions for multiple U.S.-based affiliate companies.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Neil H. McKay</font> <br>
                <font style="color: #000000; font-family: Times New Roman; font-weight: bold; margin-left: 0%;">Senior Vice President, Chief Actuary</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Neil H. McKay, age 62, joined Allianz Life in 1999 and has served as its Senior Vice President, Chief Actuary since May 15, 2000. Mr. McKay also has served as the Chief Actuary of Allianz Life of New York since April 8, 2014. Mr. McKay is responsible for all of the actuarial functions of Allianz Life and Allianz Life of New York, including the actuarial
                  assumptions underlying its products and the rate setting associated with existing and new products.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Jean-Roch P.F. Sibille</font> <br>
                <font style="color: #000000; font-family: Times New Roman; font-weight: bold; margin-left: 0%;">Senior Vice President, Chief Investment Officer</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Jean-Roch P.F. Sibille, age 41, joined Allianz Life in October 2018 and has served as its Senior Vice President, Chief Investment Officer since May 2022. He also currently serves as the Chief Investment Officer of Allianz Life of New York and Allianz Life Insurance Company of Missouri, LLC. Mr. Sibille is a Governor and the Chief Executive Officer of Allianz
                  Investment Management U.S. LLC and a Governor of Allianz Investment Management LLC and Allianz Strategic Investments, LLC.&#160; In addition, he serves as a
                  Director and Vice President and Treasurer of AZL PF Investments Inc., Dresdner Kleinwort Pfandbriefe Investments II Inc., and Allianz Fund Investments, Inc.
                  He also serves as a Director and the President of Allianz Finance Corporation.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Mr. Sibille leads the investment management, liquidity planning, hedging, and trading functions at Allianz Life. He is also a member of the global Allianz Investment Management Board, which serves the Allianz Group of insurance companies. Previously, Mr. Sibille served as the Senior Vice President, Chief Risk Officer and Chief Credit Officer of Allianz Life and as the
                  Chief Risk Officer of Allianz Life of New York from January 2019 to May 2022.&#160; Prior to his current roles, he spent four years at Allianz SE as the Head of
                  Market Risk Management and Risk Reporting, and Head of the Independent Validation Unit.&#160; Mr. Sibille also has broad work experience in risk management with
                  AXA Belgium and Risk Dynamics.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Mr. Sibille earned an Executive Master of Business Administration at the Kellogg-WHU School of Management, a Ph.D. in Finance from the University of Li&#1104;ge, and a Master in Business Engineering at the University of Namur.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Eric J. Thomes</font> <br>
                <font style="color: #000000; font-family: Times New Roman; font-weight: bold; margin-left: 0%;">Senior Vice President, Chief Distribution Officer</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Eric J. Thomes, age 51, joined Allianz Life in 1995 and has served as its Senior Vice President, Chief Distribution Officer since April 1, 2019. He also serves as the President and a Director of Allianz Life of New York. Mr. Thomes also serves as a Governor, the Chief Executive Officer and the Chief Manager of Allianz Life Financial Services, LLC. He also serves as the President and Chief Executive Officer and Board Chair of Yorktown Financial Companies, Inc., Questar Agency, Inc. and Questar Capital Corporation, respectively. Mr. Thomes previously served as a Director of Questar Asset Management, Inc. from
                  April 2019 to September 2021. He also served as a Governor of Allianz Individual Insurance Group, LLC, and TruChoice Financial Group, LLC, from April 2019 to
                  November 2022. Mr. Thomes is responsible for the development, design and implementation of Allianz Life&#8217;s and Allianz Life of New York&#8217;s sales and
                  distribution strategies. Prior to his current roles, Mr. Thomes served as the Field Senior Vice President, FMO Sales from 2009 to 2019.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Emmanuelle Thommerot</font> <br>
                <font style="color: #000000; font-family: Times New Roman; font-weight: bold; margin-left: 0%;">Senior Vice President, Chief Marketing and Strategy Officer</font></div>
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              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Emmanuelle Thommerot, age 50, joined Allianz Life on April 1, 2023, and currently serves as its Senior Vice President, Chief Marketing and Strategy Officer. Ms. Thommerot previously served as the Head of Strategic Market Management for Allianz BeNeLux (Belgium, Netherlands, Luxembourg), from 2020-2023, where she was responsible for strategic </font></div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;109&#8201;</font></div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">marketing including market intelligence, customer experience, customer insights and analytics, customer journey, and value proposition for all lines of business (life and non-life, retail and commercial). Prior to joining Allianz Life, she held senior leadership roles at AXA as Head of Business Transformation Programs and Change Management from 2017 to 2020.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Ms. Thommerot brings over 15 years of marketing, strategy and transformation experience in insurance, financial services and consulting. She oversees development of the company strategy, and has accountability for Marketing, Digital, Corporate Strategy, Sustainability, Strategic Communications, Community Engagement and Sponsorships.</font></div>
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              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">CORPORATE GOVERNANCE</font></div>
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            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Committees of the Board</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Executive Committee of the Board (&#8220;Executive Committee&#8221;) is currently composed of Mr. Wimmer (Chair), Ms. Jirele&#160;and Mr. Frank. The function of the Executive Committee is to exercise the authority of the Board between meetings of the Board, with the exceptions set forth in Allianz Life&#8217;s By-Laws. The Executive Committee&#160;did not meet in 2023, but acted once by unanimous written action.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Audit Committee of the Board is currently composed of Messrs. Frank (Chair), Walker, White and Woolley. The Audit Committee is responsible for overseeing Allianz Life&#8217;s accounting and financial reporting and control processes on behalf of the Board, which includes assisting with Board oversight of (1) quality and integrity of Allianz Life&#8217;s financial statements, (2) Allianz Life's compliance with legal and regulatory requirements, (3) the qualifications, independence and fees of the independent-auditors, (4) Allianz Life&#8217;s system of internal controls and (5) the performance of Allianz Life's internal audit function. The Board has determined that each member of the Audit Committee is financially literate. The Audit Committee met four times in 2023.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Nomination, Evaluation and Compensation Committee (NEC Committee) is currently composed of Messrs. Walker (Chair), Frank, White and Woolley. The NEC Committee&#8217;s purpose is to (1) nominate candidates for director for election, (2) evaluate the performance of officers deemed to be &#8220;principal officers,&#8221; and (3) recommend to the Board the selection and
                  compensation of the &#8220;principal officers.&#8221; The NEC Committee met one time in 2023 and acted twice by written action.</font></div>
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              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Independence of Certain Directors</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Allianz Life is not subject to the independence standards of the New York Stock Exchange or any other national securities exchange, but is subject to the independence standards required under the Model Audit Rule. Applying the independence standards of the Model Audit Rule to the current members of the Board, the Board has determined that Messrs. Frank, Walker, White,
                  and Woolley are &#8220;independent&#8221; under the Model Audit Rule.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Code of Ethics</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">All of our officers and employees, including our Chief Executive Officer, Chief Financial Officer and Controller, are subject to Allianz Life&#8217;s Code of Ethics.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Executive Compensation</font></div>
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              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Compensation Discussion and Analysis</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">In this section, we provide an overview of the goals and principal components of our executive compensation program and describe how we determine the compensation of our &#8220;Named Executive Officers&#8221; or &#8220;NEOs.&#8221; For 2023, our NEOs were:</font></div>
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                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Jasmine M. Jirele</font><font style="color: #000000; font-family: Times New Roman;">, President and Chief Executive Officer</font></div>
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                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">William E. Gaumond</font><font style="color: #000000; font-family: Times New Roman;">, Senior Vice President, Chief Financial Officer and Treasurer</font></div>
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                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Eric J. Thomes</font><font style="color: #000000; font-family: Times New Roman;">, Senior Vice President, Chief Distribution Officer</font></div>
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                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Neil H. McKay</font><font style="color: #000000; font-family: Times New Roman;">, Senior Vice President, Chief Actuary</font></div>
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                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Gretchen Cepek</font><font style="color: #000000; font-family: Times New Roman;">, Senior Vice President, General Counsel, and Secretary</font></div>
              </div>
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            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The details of each NEO&#8217;s compensation may be found in the Summary Compensation Table and other compensation tables included in this Executive Compensation section.</font></div>
            </div>
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              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Executive Summary</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Allianz Life&#8217;s compensation programs are intended to align our NEOs&#8217; interests with those of our ultimate stockholder, Allianz SE, the ultimate parent company of Allianz Life. Allianz Life's compensation programs are designed to reward performance that meets or exceeds the goals established by the Compensation Committee, a management committee of </font></div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;110&#8201;</font></div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">Allianz Life. Allianz Life is tasked with establishing the executive compensation philosophy. In line with Allianz Life&#8217;s compensation philosophy described below, the total compensation received by our NEOs will vary based on individual and corporate performance in light of annual and long-term performance goals. Our NEOs&#8217; total compensation is composed of a mix of annual
                base salary, annual cash awards based on corporate objectives and executive performance factors and long-term equity incentive awards in the form of restricted
                stock units of the equity securities of Allianz SE.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Compensation Philosophy and Strategy</font></div>
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              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Overview</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The overriding goal of Allianz Life&#8217;s executive compensation programs is to attract, retain and motivate top-performing executive officers who will dedicate themselves to long-term financial and operational success. To this end, Allianz Life has structured the executive compensation programs to foster a pay-for-performance management culture by:</font></div>
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                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">providing total compensation opportunities that are competitive with the
                    levels of total compensation available at the large diversified financial services companies with which Allianz Life most directly competes in the
                    marketplace;</font></div>
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                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">setting performance metrics and objectives for variable compensation
                    arrangements that reward executives for attaining both annual targets and long-term business objectives, thereby providing individual executives with the
                    opportunity to earn above-average compensation by achieving above-average results;</font></div>
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              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman;">establishing equity-based arrangements that align executives&#8217; financial
                    interests with those of Allianz SE by ensuring executives have a material financial stake in the equity value of Allianz SE and the business success of its
                    affiliates; and</font></div>
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                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">structuring compensation packages and outcomes to foster internal pay equity.</font></div>
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              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Compensation Components</font><font style="color: #000000; font-family: Times New Roman; font-style: italic; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">To support this pay-for-performance strategy, Allianz Life&#8217;s total compensation program provides a mix of compensation components that bases the majority of each executive&#8217;s compensation on their success and on an assessment of each executive&#8217;s overall contribution to that success.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
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                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Base Salary</font></div>
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                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:245pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Fixed rate of pay that compensates employees for
                            fulfilling their </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">basic job responsibilities. For NEOs, increases are
                            generally </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">provided in the case of a significant increase in
                            responsibilities </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">or a significant discrepancy versus the market.</font></div>
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                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:130.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Attract and retain high-caliber </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">leadership.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:74pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:118.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Incentive Plan</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:245pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Incentive compensation that promotes and rewards the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">achievement of annual performance objectives through
                            awards </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">under the Allianz Life Annual Incentive Plan (&#8220;AIP&#8221;).</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:130.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Link compensation to annual </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">performance results.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Attract and motivate </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">high-caliber leadership.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Align the interests of NEOs </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">and our stockholder.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:50pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:118.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Performance-Based Equity </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Incentives</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:245pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Incentive compensation through restricted stock unit
                            awards </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">made under the Allianz Equity Incentive Plan (&#8220;AEI&#8221;) that
                          </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">promotes and rewards the achievement of long term </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">performance objectives.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:130.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Retain high-caliber leadership </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">with multi-year vesting.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Align the interests of NEOs </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">and our stockholder.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:62pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:118.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Severance Arrangements</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:245pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Severance payments to employees, including NEOs, under </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">certain company-initiated termination events.</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Top;width:130.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Compensate employees for </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">situations where the employee&#8217;s </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">employment is involuntarily </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">terminated in a qualifying </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">termination of employment.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:61pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:118.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Perquisites-Benefits</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:245pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Perquisites provided to our NEOs include employer
                            matching </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">contributions to the NEOs&#8217; accounts in the 401(k) plan
                            and may </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">also include the payment of life insurance premiums,
                            relocation </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">reimbursements, and reimbursements for financial
                            planning, tax </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">preparation services, and spousal travel expenses.</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:1.875pt;vertical-align:Top;width:130.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Provide market competitive total </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">compensation package.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:9pt;text-align:left;">
              <div style="margin-top:9pt;"><font style="color: #000000; font-family: Times New Roman;">In addition, Allianz Life offers all employees, including our NEOs, broad-based benefits, including comprehensive medical, dental and vision insurance, group term life insurance and participation in a 401(k) plan.</font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;111&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_40"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">How Compensation Decisions Are Made</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; line-height: 12pt;"> </font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Role of the Board of Directors and Compensation Committee</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The framework governing the executive compensation policies for Allianz Life, except as such policies relate to the compensation for the Chief Executive Officer, is set through the Compensation Committee of Allianz Life. Decisions affecting the compensation of the Chief Executive Officer are outside the scope of the Allianz Life Compensation Committee. Any such
                  decisions are made by Allianz SE, subject to review by the NEC Committee, and final approval by Allianz Life&#8217;s Board of Directors. With respect to the
                  compensation of other &#8220;principal officers&#8221; selected by the Board for purposes of the duties of the NEC Committee under Minn. Stat. &#167; 60D.20, subd. 3(d), the
                  Compensation Committee&#8217;s decisions are similarly subject to review by the NEC Committee and final approval by Allianz Life&#8217;s Board. The &#8220;principal officers&#8221; include the Chief Executive Officer, Chief Financial Officer, and General Counsel. Allianz Life&#8217;s Board has delegated the following responsibilities to the Compensation Committee:</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">In general, establish the compensation philosophy and strategy of Allianz
                    Life and oversee the development and implementation of compensation, benefit, and perquisite programs for corporate executives consistent with the principles of ensuring that leadership is compensated effectively in a manner consistent with the stated compensation strategy, internal equity considerations, competitive practices, shareholder interests, and the requirements of any applicable
                    regulatory bodies in order to attract and retain high-quality leadership. This responsibility includes periodic review of Allianz Life&#8217;s compensation
                    programs to pursue certain goals, with the expectation that changes will be made periodically to ensure these goals are attained.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Review and approve the establishment of, or material modification to, any
                    executive incentive compensation plans or programs for Allianz Life.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Review and approve any special benefits or perquisites in effect for, or
                    offered to, any prospective, current or former Allianz Life employee, regardless of the employee&#8217;s level or assignment within Allianz Life. Such benefits
                    and perquisites are those that are unusual or different from the benefits offered to all similarly-situated employees.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Review and approve any employment agreements proposed to be made with any
                    prospective or current employee of Allianz Life.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Review and approve any individual severance agreement with any Allianz Life
                    officer. This does not include an arrangement where the employee receives severance or incentive payments under existing terms of a broad-based benefit or compensation plan.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">Oversee Allianz Life&#8217;s compliance with regulations with respect to
                    compensation matters and adopt and monitor adherence to global and local process requirements and timelines, including those required under the Corporate
                    Rules (as defined under the Allianz Life Standard for Corporate Rules) mandated by Allianz SE.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Compensation Committee will at all times be composed of at least three members who are appointed by the full Board of Directors of Allianz Life. The Compensation Committee currently consists of the following members: the Chair of the Board, the Chief Executive Officer, and the Chief People and Culture Officer. The Compensation Committee also utilizes internal
                  personnel to provide advice to the Compensation Committee regarding market trends in compensation policies at competing companies and on a more macro level.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Following its review and decision, the Compensation Committee produces and submits a report on executive compensation to Allianz Life&#8217;s Board of Directors at its request. With respect to the compensation of &#8220;principal officers&#8221; selected by Allianz Life&#8217;s Board for purposes of the duties of the NEC Committee under Minnesota Statutes &#167; 60D.20, subd. 3(d), the Compensation Committee produces and submits a report on executive compensation proposed for the designated &#8220;principal officers&#8221; to
                  the NEC Committee for its review and recommendation to Allianz Life&#8217;s Board for final approval.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Role of the Chief Executive Officer</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Our Chief Executive Officer assists the Compensation Committee in its review of the total compensation of all the NEOs except themself. The Chief Executive Officer provides the Compensation Committee with their assessment of the NEOs&#8217; respective performance relative to the corporate and individual goals and other expectations set for them for the preceding year. The
                  Chief Executive Officer then provides their recommendation for each NEO&#8217;s total compensation and the appropriate goals for each NEO in the year to come.
                  However, the Compensation Committee is not bound by the Chief Executive Officer&#8217;s recommendations.</font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;112&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Role of Allianz Life&#8217;s People and Culture Team</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Allianz Life&#8217;s People and Culture Team supports the Compensation Committee on executive compensation matters by being responsible for many of the organizational and administrative tasks that underlie the compensation review and determination process and making presentations on various topics. Allianz Life&#8217;s People and Culture efforts include, among other
                  things:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">evaluating the compensation data from industry groups, national executive pay
                    surveys, and other sources for the NEOs and other executive officers as appropriate;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">gathering and correlating performance ratings and reviews for individual
                    executive officers, including the NEOs;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">reviewing executive compensation recommendations against appropriate market
                    data and for internal consistency and equity; and</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">reporting to, and answering requests for information from, the Compensation
                    Committee.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Allianz Life&#8217;s People and Culture officers also coordinate and share information with their counterparts at Allianz SE.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Use of Competitive Compensation Data</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Because Allianz Life competes most directly for executive talent with other large diversified financial services companies, Allianz Life regards it as essential to regularly review the competitiveness of the total compensation programs for executives to ensure that Allianz Life provides compensation opportunities that compare favorably with the levels of total compensation
                  offered to similarly situated executives by other companies that participate in the compensation surveys in which Allianz Life participates. Allianz Life
                  relies primarily on external market surveys of corporate compensation and benefits published by various national compensation consulting firms, especially
                  salary surveys focusing on insurance companies. In addition, other factors taken into account include the average revenues and number of employees of companies that participate in such surveys.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">All these information sources are employed to measure and compare actual pay levels not only on an aggregate, total compensation basis, but also to break down the total compensation program component by component to review and compare specific compensation elements as well as the particular mixes of fixed versus variable, short-term versus long-term, and cash
                  versus equity-based compensation at the surveyed companies. This information, as collected and reviewed by Allianz Life&#8217;s People and Culture Team, is
                  submitted to the Compensation Committee for review and discussion.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Internal Pay Equity Analysis</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Allianz Life&#8217;s compensation programs are designed with the goal of providing compensation to our NEOs that is fair, reasonable, and competitive. To achieve this goal, Allianz Life believes it is important to compare compensation paid to each NEO not only with compensation paid by the surveyed companies, as discussed above, but also with compensation paid to each of our other NEOs. Such an internal comparison is important to ensure that compensation is equitable among our NEOs.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Components of Total Compensation For Our NEOs</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Allianz Life provides total compensation to our NEOs that consists of several components. These components include the three components of the total compensation program (i.e., base salary, annual incentives, and equity) as well as: (i) retirement, health, and other benefit programs; (ii) severance benefits; and (iii) perquisites.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Base Salary</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Allianz Life&#8217;s philosophy is to make base salary a relatively small portion of the overall compensation package for our NEOs, which Allianz Life believes is common in the industry in which we operate. The amount of the base salary awarded to NEOs is based on the position held, the NEO&#8217;s tenure, the scope of the position&#8217;s responsibilities, and the NEO&#8217;s own performance,
                  all of which are reviewed with the aid of market survey data. Using this data, Allianz Life maintains a 50th percentile pricing philosophy, comparing base
                  salaries against the median for comparable salaries at surveyed companies, unless exceptional conditions require otherwise.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">With respect to the base salary of our Chief Executive Officer, the Chair of the Board considered the Chief Executive Officer&#8217;s experience, performance, and contribution to overall corporate performance when determining their base salary for 2023 for recommendation to the NEC Committee. Base salaries for our other NEOs for 2023 were also set by the Compensation
                  Committee based upon each NEO&#8217;s individual experience and contribution to the overall performance of Allianz Life, and subject to Allianz SE Compensation
                  Committee reviews and, with respect to the base salaries of </font></div>
            </div>
          </div>
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          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
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          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;113&#8201;</font></div>
          </div>
        </div>
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          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">&#8220;principal officers&#8221; selected by Allianz Life&#8217;s Board of Directors for purposes of the duties of the NEC Committee under Minnesota Statutes &#167; 60D.20, subd. 3(d), subject to NEC Committee review and recommendation to Allianz Life&#8217;s Board for final approval.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">AIP</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Allianz Life offers annual cash bonuses to certain executive officers under the AIP. The AIP is designed to improve performance and profitability by motivating employees to accomplish organizational objectives and financial goals. Bonus awards that may be paid pursuant to the AIP are within the sole discretion of the Compensation Committee, and with respect to our CEO, the Chair of the Board, and are intended to:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman;">reward the performance of participants who have made significant contributions
                    to the achievement of annual goals and objectives;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">provide an incentive that will encourage future superior individual
                    performance; and</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">encourage the retention of employees who have demonstrated exceptional
                    performance and/or are anticipated to significantly contribute to the long-term success of Allianz Life.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Following the performance year, the Compensation Committee approved a specific amount of cash awards to be made pursuant to the AIP to executive officers, including our NEOs, for the 2023 performance year. The amount determined to be available for such awards was at the discretion of the Compensation Committee and was dependent upon many factors as outlined
                  previously, including, but not limited to, current financial performance and contributions of our NEOs in achieving performance objectives, and with respect
                  to the awards to the &#8220;principal officers&#8221; selected by Allianz Life&#8217;s Board for purposes of the duties of the NEC Committee under Minnesota Statutes &#167; 60D.20,
                  subd. 3(d), subject to NEC Committee review and recommendation to Allianz Life&#8217;s Board for final approval.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">AEI</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The AEI is (a) one part of the variable compensation component for certain individuals within designated classes of employees at Allianz Life or (b) offered by Allianz Life to select senior employees as an additional part of their variable compensation on a case by case basis. The AEI is granted in the form of restricted stock units of Allianz SE (&#8220;RSUs&#8221;). The award of RSU&#8217;s are intended to:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman;">reward the performance of participants who have made significant contributions
                    to the achievement of their company&#8217;s annual goals and objectives,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">provide an incentive that will encourage future superior individual
                    performance, and</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">encourage the retention of employees who have demonstrated exceptional
                    performance and/or are anticipated to significantly contribute to the long-term success of Allianz.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Awards made pursuant to the AEI are based upon both the performance of Allianz Life and Allianz Life of New York and the performance of the NEO. The Compensation Committee (and, with respect to those NEOs that are &#8220;principal officers&#8221; for purposes of the NEC Committee&#8217;s duties, the NEC Committee with final approval of Allianz Life&#8217;s Board of Directors) reviewed
                  the performance of our NEOs following the end of our 2023 fiscal year relative to the AEI allocation amount.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Benefit Perquisites</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Allianz Life provides our NEOs with certain limited perquisites. All of our employees, including our NEOs, may participate in the qualified 401(k) plan. Allianz Life and Allianz Life of New York generally provide our executive officers, including our NEOs, with a matching contribution up to $24,750 annually. In addition, Allianz Life and Allianz Life of New
                  York provide excess liability insurance coverage to all of our NEOs and provide financial planning and tax preparation services, relocation reimbursements,
                  and reimbursements of spousal travel expenses to certain of our NEOs. The incremental costs of perquisites for the NEOs during 2023 are included in the column
                  entitled &#8220;All Other Compensation&#8221; in the Summary Compensation Table included in this section.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Certain Retention Arrangements&#160;</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Allianz Life maintains retention bonus arrangements with certain executives, pursuant to which retention bonus payments are paid so long as such executive remains employed with Allianz Life in good standing.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Severance Arrangements</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Allianz Life NEOs are eligible for severance payments under the Executive Severance Plan if they experience a qualifying termination of employment and otherwise satisfy the conditions set forth in the plan.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;114&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
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      <div><a name="xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_43"></a>
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          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">Other than the Executive Severance Plan, which is described later in this section, our NEOs are not eligible for severance
              payments. Certain of our executive officers receive offer letters which set forth the terms relating to base salary, sign-on incentives, and equity compensation. However, Allianz Life does not view these offer letters as employment agreements as each offer letter states that employment with Allianz Life is &#8220;at will.&#8221;</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Other Compensation Policies</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Tax and Accounting Implications</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; text-decoration: underline;">Stock-Based Compensation</font><font style="color: #000000; font-family: Times New Roman;">.
                  Stock-based compensation, comprised of Allianz SE restricted stock units (RSUs) granted pursuant to the AEI, are accounted for in accordance with the
                  requirements of Financial Accounting Standards Board Accounting Standards Codification (&#8220;FASB ASC&#8221;) Topic 718. The fair value of the RSUs at grant is the
                  arithmetic average of the closing prices of an Allianz SE share in the electronic cash market trading system Xetra (or any successor system) on that day and the nine immediately preceding trading days, less the present value of dividends expected to be paid on one Allianz SE share over the vesting period, and less the fair value of payout restrictions deriving from the vesting period
                  and the payout cap.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Summary Compensation Table</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The following table sets forth the compensation paid by Allianz Life to the NEOs for the years ended December 31, 2023, 2022, and 2021, as applicable.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="zad1b6fd279e049688c2c10c7941f160d" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:32.5pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:139.64pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Name and Principal</font></div>
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Position</font></div>
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(a)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Year</font></div>
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(b)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:39.36pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Salary</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(c)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:39.36pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Bonus</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(d)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:44.83pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Stock</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Awards</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(e)</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">(1)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:103.39pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Non-Equity</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Incentive Plan Compensation</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(g)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:57.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">All Other</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Compensation</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(i)</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">(2)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:43.33pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Total</font></div>
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(j)</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td rowspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:139.64pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Jasmine M. Jirele</font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">President and Chief Executive Officer</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2023</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:39.36pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:27.36pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">800,000</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:39.36pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:27.36pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">0</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:44.83pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:32.83pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">1,640,232</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:103.39pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:91.39pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">1,093,488</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:57.5pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:45.5pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">45,473</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:43.33pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:32.83pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">3,579,193</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2022</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:39.36pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:27.36pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">750,000</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:39.36pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:27.36pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">200,000</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:44.83pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:32.83pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">1,348,875</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:103.39pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:91.39pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">899,250</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:57.5pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:45.5pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">23,810</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:43.33pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:32.83pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">3,221,935</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2021</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:39.36pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:27.36pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">561,958</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:39.36pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:27.36pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">390,000</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:44.83pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:32.83pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">1,068,303</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:103.39pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:91.39pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">712,202</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:57.5pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:45.5pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">22,516</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:43.33pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:32.83pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">2,754,979</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td rowspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:139.64pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">William E. Gaumond</font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Senior Vice President, Chief Financial </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Officer and Treasurer</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2023</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:39.36pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:27.36pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">532,625</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:39.36pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:27.36pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">200,000</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:44.83pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:32.83pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">689,811</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:103.39pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:91.39pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">459,874</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:57.5pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:45.5pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">45,504</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:43.33pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:32.83pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">1,927,814</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2022</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:39.36pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:27.36pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">505,225</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:39.36pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:27.36pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">0</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:44.83pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:32.83pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">942,501</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:103.39pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:91.39pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">428,334</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:57.5pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:45.5pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">24,842</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:43.33pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:32.83pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">1,900,902</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2021</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:39.36pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:27.36pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">475,900</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:39.36pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:27.36pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">300,000</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:44.83pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:32.83pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">770,958</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:103.39pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:91.39pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">513,922</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:57.5pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:45.5pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">22,437</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:43.33pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:32.83pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">2,083,267</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td rowspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:139.64pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Eric J. Thomes</font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Senior Vice President, Chief Distribution </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Officer</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2023</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:39.36pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:27.36pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">579,750</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:39.36pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:27.36pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">0</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:44.83pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:32.83pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">764,483</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:103.39pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:91.39pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">509,656</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:57.5pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:45.5pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">49,169</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:43.33pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:32.83pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">1,903,058</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2022</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:39.36pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:27.36pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">555,750</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:39.36pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:27.36pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">0</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:44.83pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:32.83pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">719,772</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:103.39pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:91.39pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">479,848</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:57.5pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:45.5pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">29,026</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:43.33pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:32.83pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">1,784,396</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2021</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:39.36pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:27.36pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">535,500</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:39.36pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:27.36pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">320,000</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:44.83pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:32.83pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">867,510</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:103.39pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:91.39pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">578,340</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:57.5pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:45.5pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">22,548</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:43.33pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:32.83pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">2,323,898</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td rowspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:139.64pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Neil H. McKay</font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Senior Vice President, Chief Actuary</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2023</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:39.36pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:27.36pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">523,750</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:39.36pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:27.36pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">0</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:44.83pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:32.83pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">647,408</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:103.39pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:91.39pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">431,605</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:57.5pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:45.5pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">47,550</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:43.33pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:32.83pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">1,650,313</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2022</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:39.36pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:27.36pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">517,500</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:39.36pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:27.36pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">0</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:44.83pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:32.83pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">657,981</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:103.39pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:91.39pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">438,654</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:57.5pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:45.5pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">23,622</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:43.33pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:32.83pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">1,637,757</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2021</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:39.36pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:27.36pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">510,000</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:39.36pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:27.36pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">50,000</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:44.83pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:32.83pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">926,200</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:103.39pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:91.39pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">550,800</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:57.5pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:45.5pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">24,397</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:43.33pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:32.83pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">2,061,397</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td rowspan="3" style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:139.64pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Gretchen Cepek</font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Senior Vice President, General Counsel and </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Secretary</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2023</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:39.36pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:27.36pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">513,250</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:39.36pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:27.36pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">0</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:44.83pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:32.83pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">633,876</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:103.39pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:91.39pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">362,584</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:57.5pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:45.5pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">45,349</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:43.33pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:32.83pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">1,555,059</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2022</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:39.36pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:27.36pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">487,125</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:39.36pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:27.36pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">0</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:44.83pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:32.83pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">549,641</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:103.39pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:91.39pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">366,427</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:57.5pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:45.5pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">23,294</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:43.33pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:32.83pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">1,426,487</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:10.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2021</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:39.36pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:27.36pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">469,500</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:39.36pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:27.36pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">110,000</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:44.83pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:32.83pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">733,825</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:103.39pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:91.39pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">422,550</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:57.5pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:45.5pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">22,167</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:43.33pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:2pt;text-align:right;width:32.83pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">1,758,042</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div>
              <div style="clear:both;margin-top:9.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:10pt;text-align:left;width:9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(1)</font></div>
                <div style="float:left;line-height:10pt;margin-left:8.68pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Represents the grant date fair value of the RSUs issued pursuant to the AEI.
                    The RSUs vest over a four-year period. The grant price of the RSUs was the arithmetic average of the closing prices of an Allianz SE share in the electronic
                    cash market trading system Xetra (or any successor system) on the date of grant and the nine immediately preceding trading days, less the present value of
                    dividends expected to be paid on one Allianz SE </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;115&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_44"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:10.0pt;margin-left:18pt;text-align:left;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">share over the vesting period, and less the fair value of the payout restrictions deriving from the vesting
                period and the payout cap. These numbers show the amount realized for financial reporting purposes as calculated in accordance with the FASB ASC Topic 718. Under
                FASB ASC Topic 718, the grant date fair value is calculated using the closing market price of the common stock of Allianz SE on the date of grant, which is then
              recognized over the requisite service period of the award.</font></div>
            <div>
              <div style="clear:both;margin-top:1pt;position:relative;width:100%;">
                <div style="float:left;line-height:10pt;text-align:left;width:9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(2)</font></div>
                <div style="float:left;line-height:10pt;margin-left:8.68pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">The following table provides additional details regarding compensation found
                    in the &#8220;All Other Compensation&#8221; column.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:0.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z466ae2c12ecc459596d72fa15273f050" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:21pt;width:420pt;">

                  <tr style="height:32.5pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:54.83pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Name</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Year</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:37.49pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Spousal</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Travel</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">(3)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:55.84pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Milestone/</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Anniversary/</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Recognition</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">(4)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:43.69pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Life</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;line-height:10pt;"> </font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Insurance</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;line-height:10pt;"> </font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Premiums</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:46.6pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Employer</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;line-height:10pt;"> </font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Match to</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;line-height:10pt;"> </font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">401(k) Plan</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:57.26pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">ASAAP</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Contribution</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">(5)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:63.49pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Other</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Compensation</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">(6)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:34.21pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Total</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td rowspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:54.83pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Jasmine M. </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Jirele</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2023</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:37.49pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.49pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.84pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.84pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:43.69pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:31.69pt;">
                        <div style="display:flex;margin:auto;width:16.59pt;">
                          <div style="display:flex;white-space:nowrap;width:16.59pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:16.59pt;">723</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:46.6pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:34.6pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">22,500</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:57.26pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:45.26pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">2,250</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:63.49pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:51.49pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">20,000</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:34.21pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:23.71pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">45,473</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2022</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:37.49pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.49pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.84pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.84pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">250</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:43.69pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:31.69pt;">
                        <div style="display:flex;margin:auto;width:16.59pt;">
                          <div style="display:flex;white-space:nowrap;width:16.59pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:16.59pt;">685</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:46.6pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:34.6pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">20,500</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:57.26pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:45.26pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">2,375</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:63.49pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:51.49pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:34.21pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:23.71pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">23,810</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2021</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:37.49pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.49pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.84pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.84pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">350</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:43.69pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:31.69pt;">
                        <div style="display:flex;margin:auto;width:16.59pt;">
                          <div style="display:flex;white-space:nowrap;width:16.59pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:16.59pt;">416</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:46.6pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:34.6pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">19,500</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:57.26pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:45.26pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">2,250</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:63.49pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:51.49pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:34.21pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:23.71pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">22,516</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td rowspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:54.83pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">William E. </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Gaumond</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2023</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:37.49pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.49pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.84pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.84pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:43.69pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:31.69pt;">
                        <div style="display:flex;margin:auto;width:16.59pt;">
                          <div style="display:flex;white-space:nowrap;width:16.59pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:16.59pt;">754</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:46.6pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:34.6pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">24,750</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:57.26pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:45.26pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:63.49pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:51.49pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">20,000</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:34.21pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:23.71pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">45,504</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2022</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:37.49pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.49pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.84pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.84pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">1,270</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:43.69pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:31.69pt;">
                        <div style="display:flex;margin:auto;width:16.59pt;">
                          <div style="display:flex;white-space:nowrap;width:16.59pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:16.59pt;">697</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:46.6pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:34.6pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">20,500</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:57.26pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:45.26pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">2,375</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:63.49pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:51.49pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:34.21pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:23.71pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">24,842</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2021</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:37.49pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.49pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.84pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.84pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:43.69pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:31.69pt;">
                        <div style="display:flex;margin:auto;width:16.59pt;">
                          <div style="display:flex;white-space:nowrap;width:16.59pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:16.59pt;">687</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:46.6pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:34.6pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">19,500</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:57.26pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:45.26pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">2,250</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:63.49pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:51.49pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:34.21pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:23.71pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">22,437</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td rowspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:54.83pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Eric J. </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Thomes</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2023</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:37.49pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.49pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">3,545</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.84pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.84pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">50</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:43.69pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:31.69pt;">
                        <div style="display:flex;margin:auto;width:16.59pt;">
                          <div style="display:flex;white-space:nowrap;width:16.59pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:16.59pt;">824</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:46.6pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:34.6pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">24,750</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:57.26pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:45.26pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:63.49pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:51.49pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">20,000</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:34.21pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:23.71pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">49,169</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2022</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:37.49pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.49pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">5,366</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.84pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.84pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:43.69pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:31.69pt;">
                        <div style="display:flex;margin:auto;width:16.59pt;">
                          <div style="display:flex;white-space:nowrap;width:16.59pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:16.59pt;">785</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:46.6pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:34.6pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">22,875</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:57.26pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:45.26pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:63.49pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:51.49pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:34.21pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:23.71pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">29,026</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2021</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:37.49pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.49pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.84pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.84pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:43.69pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:31.69pt;">
                        <div style="display:flex;margin:auto;width:16.59pt;">
                          <div style="display:flex;white-space:nowrap;width:16.59pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:16.59pt;">798</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:46.6pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:34.6pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">19,500</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:57.26pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:45.26pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">2,250</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:63.49pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:51.49pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:34.21pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:23.71pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">22,548</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td rowspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:54.83pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Neil H. McKay</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2023</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:37.49pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.49pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">2,039</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.84pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.84pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:43.69pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:31.69pt;">
                        <div style="display:flex;margin:auto;width:16.59pt;">
                          <div style="display:flex;white-space:nowrap;width:16.59pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:16.59pt;">761</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:46.6pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:34.6pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">24,750</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:57.26pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:45.26pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:63.49pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:51.49pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">20,000</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:34.21pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:23.71pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">47,550</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2022</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:37.49pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.49pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.84pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.84pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:43.69pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:31.69pt;">
                        <div style="display:flex;margin:auto;width:16.59pt;">
                          <div style="display:flex;white-space:nowrap;width:16.59pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:16.59pt;">747</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:46.6pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:34.6pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">22,875</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:57.26pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:45.26pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:63.49pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:51.49pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:34.21pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:23.71pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">23,622</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2021</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:37.49pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.49pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">200</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.84pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.84pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">1,700</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:43.69pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:31.69pt;">
                        <div style="display:flex;margin:auto;width:16.59pt;">
                          <div style="display:flex;white-space:nowrap;width:16.59pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:16.59pt;">747</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:46.6pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:34.6pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">21,750</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:57.26pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:45.26pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:63.49pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:51.49pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:34.21pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:23.71pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">24,397</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td rowspan="3" style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:54.83pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Gretchen </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Cepek</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2023</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:37.49pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.49pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">175</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.84pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.84pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:43.69pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:31.69pt;">
                        <div style="display:flex;margin:auto;width:16.59pt;">
                          <div style="display:flex;white-space:nowrap;width:16.59pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:16.59pt;">424</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:46.6pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:34.6pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">24,750</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:57.26pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:45.26pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:63.49pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:51.49pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">20,000</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:34.21pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:23.71pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">45,349</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2022</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:37.49pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.49pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.84pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.84pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:43.69pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:31.69pt;">
                        <div style="display:flex;margin:auto;width:16.59pt;">
                          <div style="display:flex;white-space:nowrap;width:16.59pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:16.59pt;">419</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:46.6pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:34.6pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">22,875</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:57.26pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:45.26pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:63.49pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:51.49pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:34.21pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:23.71pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">23,294</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:10.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;width:26.59pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">2021</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:37.49pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:25.49pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.84pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.84pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:43.69pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:31.69pt;">
                        <div style="display:flex;margin:auto;width:16.59pt;">
                          <div style="display:flex;white-space:nowrap;width:16.59pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:16.59pt;">417</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:46.6pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:34.6pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">21,750</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:57.26pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:45.26pt;">
                        <div style="display:flex;margin:auto;width:22.06pt;">
                          <div style="display:flex;white-space:nowrap;width:22.06pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:22.06pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:63.49pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:51.49pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">--</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:34.21pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:2pt;text-align:right;width:23.71pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">22,167</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div>
              <div style="clear:both;margin-top:9pt;position:relative;width:100%;">
                <div style="float:left;line-height:10pt;text-align:left;width:9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(3)</font></div>
                <div style="float:left;line-height:10pt;margin-left:8.68pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Represents reimbursement or payments made to defray the costs of a spouse&#8217;s
                    travel.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:1pt;position:relative;width:100%;">
                <div style="float:left;line-height:10pt;text-align:left;width:9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(4)</font></div>
                <div style="float:left;line-height:10pt;margin-left:8.68pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Represents Milestone Anniversary Program, which pays a bonus at three and
                    five year anniversaries, and then every five years thereafter.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:1pt;position:relative;width:100%;">
                <div style="float:left;line-height:10pt;text-align:left;width:9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(5)</font></div>
                <div style="float:left;line-height:10pt;margin-left:8.68pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Represents company matching contribution to the Allianz Supplemental Asset
                    Accumulation Plan for deferrals in excess of IRS compensation limit.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:1pt;position:relative;width:100%;">
                <div style="float:left;line-height:10pt;text-align:left;width:9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(6)</font></div>
                <div style="float:left;line-height:10pt;margin-left:8.68pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Represents reimbursement under the Lifestyle Spending Account for financial
                    planning, tax preparation services and other eligible expenses supporting NEO&#8217;s wellbeing.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:1pt;position:relative;width:100%;">
                <div style="float:left;line-height:10pt;text-align:left;width:9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(7)</font></div>
                <div style="float:left;line-height:10pt;margin-left:8.68pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Represents severance arrangement payable. Ms. Mahone was entitled to a
                    severance arrangement of a lump sum cash payment of $660,000 upon separation.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Performance-Based Incentive Compensation Plans</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">AIP</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The AIP is intended to provide an incentive that will encourage superior individual performance and encourage retention of employees who have demonstrated exceptional performance or who are anticipated to significantly contribute to the long-term success of Allianz Life. The AIP seeks to accomplish this purpose by providing a bonus opportunity to eligible employees
                  who have made significant contributions during the plan year to the achievement of annual goals and objectives. The guidelines for target awards are meant to
                  be illustrative of competitive market bonuses for similar job levels in the marketplace. While the target awards may be used for illustrative, budget
                  planning, or distribution scenarios, all bonus awards are discretionary and are in no way guaranteed.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Compensation Committee or other duly authorized committee determines allocation of bonus awards to employees. With respect to &#8220;principal officers&#8221; for purposes of the NEC Committee&#8217;s duties, the NEC Committee recommends to Allianz Life&#8217;s Board of Directors awards for final approval.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">AEI</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The AEI is designed to recognize the participant&#8217;s continuous employment with Allianz Life over the relevant period and shall be an incentive to continue employment. Grants under the AEI will generally only be made if the participant is employed with Allianz Life at the date of grant. Payments will be made only if the participant remains employed with Allianz Life
                  during the vesting period of the RSU, or leaves employment under circumstances set out in the AEI, including after retirement or early retirement eligibility,
                  disability, or under certain other circumstances. The securities issuable under the AEI are RSUs. An RSU constitutes the right to receipt of the market value
                  of Allianz SE common stock at the time of exercise. This amount will be paid in cash. RSUs are subject to a four-year vesting period. At the end of the
                  four-year vesting period, the RSUs are exercised uniformly for all participants, provided they remain employed by Allianz Life, terminate after retirement or early retirement eligibility, or under certain other circumstances. Vesting and exercise may accelerate if a participant leaves employment under other &#8220;good leaver&#8221; circumstances set forth in the AEI. The grant at fair value cannot be greater than 165% of a participant&#8217;s target amount. The maximum value of an exercise is an increase of 200% over the grant value (i.e., 300% of the grant value).</font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;116&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_45"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Grants of Plan-Based Awards</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The following table provides additional information about plan-based compensation disclosed in the Summary Compensation Table. This table includes both equity and non-equity awards granted for the year ended December 31, 2023.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z7782943670ed48bb8f800cccefde9678" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:22.5pt;">
                    <td rowspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Name</font></div>
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(a)</font></div>
                      </div>
                    </td>
                    <td rowspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Grant Date</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(b)</font></div>
                      </div>
                    </td>
                    <td colspan="3" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:166.71pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Estimated Future Payouts Under
                            Non-Equity </font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Incentive Plan Awards</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">(1)</font></div>
                      </div>
                    </td>
                    <td colspan="3" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:165.21pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Estimated Future Payouts Under Equity
                            Incentive </font></div>
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Plan Awards</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">(2,3)</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:21pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Threshold ($)</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(c)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Target ($)</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(d)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Maximum ($)</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(e)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Threshold ($)</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(f)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:55.57pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Target ($)</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(g)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:54.07pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Maximum ($)</font></div>
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(h)</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Jasmine M. Jirele</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:27.53pt;">
                          <div style="display:flex;white-space:nowrap;width:27.53pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:27.53pt;">3/8/2024</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:9.3pt;">
                          <div style="display:flex;white-space:nowrap;width:9.3pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:9.3pt;">
                          <div style="display:flex;white-space:nowrap;width:9.3pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:54.07pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">RSUs (under AEI)</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:27.53pt;">
                          <div style="display:flex;white-space:nowrap;width:27.53pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:9.3pt;">
                          <div style="display:flex;white-space:nowrap;width:9.3pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:9.3pt;">
                          <div style="display:flex;white-space:nowrap;width:9.3pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:9.3pt;">0</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">1,320,000</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:54.07pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">5,940,000</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">AIP Award</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:27.53pt;">
                          <div style="display:flex;white-space:nowrap;width:27.53pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:9.3pt;">
                          <div style="display:flex;white-space:nowrap;width:9.3pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:9.3pt;">0</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">880,000</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">1,320,000</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:9.3pt;">
                          <div style="display:flex;white-space:nowrap;width:9.3pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:54.07pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">William E. Gaumond</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:27.53pt;">
                          <div style="display:flex;white-space:nowrap;width:27.53pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:27.53pt;">3/8/2024</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:9.3pt;">
                          <div style="display:flex;white-space:nowrap;width:9.3pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:9.3pt;">
                          <div style="display:flex;white-space:nowrap;width:9.3pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:54.07pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">RSUs (under AEI)</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:27.53pt;">
                          <div style="display:flex;white-space:nowrap;width:27.53pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:9.3pt;">
                          <div style="display:flex;white-space:nowrap;width:9.3pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:9.3pt;">
                          <div style="display:flex;white-space:nowrap;width:9.3pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:9.3pt;">0</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">575,322</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:54.07pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">2,588,949</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">AIP Award</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:27.53pt;">
                          <div style="display:flex;white-space:nowrap;width:27.53pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:9.3pt;">
                          <div style="display:flex;white-space:nowrap;width:9.3pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:9.3pt;">0</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">383,548</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">575,322</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:9.3pt;">
                          <div style="display:flex;white-space:nowrap;width:9.3pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:54.07pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Eric J. Thomes</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:27.53pt;">
                          <div style="display:flex;white-space:nowrap;width:27.53pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:27.53pt;">3/8/2024</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:9.3pt;">
                          <div style="display:flex;white-space:nowrap;width:9.3pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:9.3pt;">
                          <div style="display:flex;white-space:nowrap;width:9.3pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:54.07pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">RSUs (under AEI)</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:27.53pt;">
                          <div style="display:flex;white-space:nowrap;width:27.53pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:9.3pt;">
                          <div style="display:flex;white-space:nowrap;width:9.3pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:9.3pt;">
                          <div style="display:flex;white-space:nowrap;width:9.3pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:9.3pt;">0</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">626,215</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:54.07pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">2,817,968</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">AIP Award</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:27.53pt;">
                          <div style="display:flex;white-space:nowrap;width:27.53pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:9.3pt;">
                          <div style="display:flex;white-space:nowrap;width:9.3pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:9.3pt;">0</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">417,477</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">626,216</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:9.3pt;">
                          <div style="display:flex;white-space:nowrap;width:9.3pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:54.07pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Neil H. McKay</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:27.53pt;">
                          <div style="display:flex;white-space:nowrap;width:27.53pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:27.53pt;">3/8/2024</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:9.3pt;">
                          <div style="display:flex;white-space:nowrap;width:9.3pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:9.3pt;">
                          <div style="display:flex;white-space:nowrap;width:9.3pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:54.07pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">RSUs (under AEI)</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:27.53pt;">
                          <div style="display:flex;white-space:nowrap;width:27.53pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:9.3pt;">
                          <div style="display:flex;white-space:nowrap;width:9.3pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:9.3pt;">
                          <div style="display:flex;white-space:nowrap;width:9.3pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:9.3pt;">0</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">565,668</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:54.07pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">2,545,506</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">AIP Award</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:27.53pt;">
                          <div style="display:flex;white-space:nowrap;width:27.53pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:9.3pt;">
                          <div style="display:flex;white-space:nowrap;width:9.3pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:9.3pt;">0</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">377,112</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">565,668</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:9.3pt;">
                          <div style="display:flex;white-space:nowrap;width:9.3pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:54.07pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Gretchen Cepek</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:27.53pt;">
                          <div style="display:flex;white-space:nowrap;width:27.53pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:27.53pt;">3/8/2024</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:9.3pt;">
                          <div style="display:flex;white-space:nowrap;width:9.3pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:9.3pt;">
                          <div style="display:flex;white-space:nowrap;width:9.3pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:54.07pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">RSUs (under AEI)</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:27.53pt;">
                          <div style="display:flex;white-space:nowrap;width:27.53pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:9.3pt;">
                          <div style="display:flex;white-space:nowrap;width:9.3pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:9.3pt;">
                          <div style="display:flex;white-space:nowrap;width:9.3pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:9.3pt;">0</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">462,008</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:54.07pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">2,079,036</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:10.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">AIP Award</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:27.53pt;">
                          <div style="display:flex;white-space:nowrap;width:27.53pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:9.3pt;">
                          <div style="display:flex;white-space:nowrap;width:9.3pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:9.3pt;">0</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">308,005</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">462,008</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:9.3pt;">
                          <div style="display:flex;white-space:nowrap;width:9.3pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:55.57pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:54.07pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:43.57pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                  </tr>

              </table>
            </div>
            <div>
              <div style="clear:both;margin-top:9.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:10pt;text-align:left;width:9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(1)</font></div>
                <div style="float:left;line-height:10pt;margin-left:8.68pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">The target and maximum columns show the target award and maximum award for
                    2023 for each NEO under the AIP. There is no threshold amount for any participant in the AIP. The actual 2023 awards granted to the NEOs are listed in the
                    Non-Equity Incentive Compensation column of the Summary Compensation Table. AIP target and maximum awards are a pre-designated percentage of base salary
                    determined at the executive&#8217;s level.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:1.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:10pt;text-align:left;width:9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(2)</font></div>
                <div style="float:left;line-height:10pt;margin-left:8.68pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">RSUs have a vesting schedule as disclosed in the footnotes to the Summary
                    Compensation Table. See &#8220;Outstanding Equity Awards at December 31, 2023&#8221; for disclosure regarding the number of RSUs that are unvested as of December 31,
                    2023.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:1.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:10pt;text-align:left;width:9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(3)</font></div>
                <div style="float:left;line-height:10pt;margin-left:8.68pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">The target and maximum columns show the target award and maximum award for
                    2023 for each NEO under the AEI. There is no threshold amount for any participant in the AEI. The actual 2023 awards granted to the NEOs are listed in the
                    Stock Awards column of the Summary Compensation Table.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;117&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_46"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Outstanding Equity Awards at December 31, 2023</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The following table sets forth the outstanding equity awards at the December 31, 2023 fiscal year-end. The table shows RSUs granted pursuant to the AEI.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z5e90ed9b9f9447ea8d9afeb81e88b5dd" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:12.5pt;">
                    <td rowspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Name</font></div>
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(a)</font></div>
                      </div>
                    </td>
                    <td colspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:387.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">RSUs</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:41pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:194.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Number of RSUs</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">That Have Not</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Vested</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(g)</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">(1,2)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:193pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Market Value of</font></div>
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">RSUs That Have</font></div>
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Not Vested</font></div>
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">(h)</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">(3)</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Jasmine M. Jirele</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:18.41pt;">1,886</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">505,090</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:18.41pt;">2,407</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">644,619</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:18.41pt;">6,195</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">1,659,083</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:18.41pt;">7,371</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">1,974,028</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">William E. Gaumond</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:18.41pt;">1,948</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">521,694</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:18.41pt;">2,463</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">659,616</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:18.41pt;">4,471</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">1,197,379</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:18.41pt;">5,150</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">1,379,222</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Eric J. Thomes</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:18.41pt;">1,474</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">394,752</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:18.41pt;">3,625</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">970,811</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:18.41pt;">5,031</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">1,347,352</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:18.41pt;">3,933</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">1,053,297</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Neil H. McKay</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:18.41pt;">2,123</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">568,561</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:18.41pt;">2,503</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">670,328</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:18.41pt;">5,362</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">1,435,997</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:18.41pt;">3,596</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">963,045</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Gretchen Cepek</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:0.5pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"> </div>
                        </div>
                      </div>
                      <br>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:18.41pt;">1,512</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">404,929</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:18.41pt;">1,789</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">479,112</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:18.41pt;">4,246</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">1,137,121</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:10.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:18.41pt;">3,003</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">804,233</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div>
              <div style="clear:both;margin-top:9.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:10pt;text-align:left;width:9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(1)</font></div>
                <div style="float:left;line-height:10pt;margin-left:8.68pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Represents unvested RSUs issued pursuant to the AEI. RSUs issued under the
                    AEI during 2023 are subject to a four-year vesting period from the grant date. At the end of the respective vesting period, the RSUs are exercised uniformly
                    for all participants, provided they remain employed by Allianz Life or terminate after retirement or early retirement eligibility, or under certain other
                    circumstances. Vesting and exercise may accelerate if a participant leaves employment under other &#8220;good leaver&#8221; circumstances set forth in the AEI.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:1.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:10pt;text-align:left;width:9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(2)</font></div>
                <div style="float:left;line-height:10pt;margin-left:8.68pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">For each of the NEOs, the number of RSUs listed on the first line were
                    exercised in 2024, the RSUs listed on the second line will exercise in 2025, the RSUs listed on the third line will exercise in 2026, and the RSUs listed on
                    the fourth line will exercise in 2027.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:1.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:10pt;text-align:left;width:9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(3)</font></div>
                <div style="float:left;line-height:10pt;margin-left:8.68pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Based on an assumed stock price of $267.81 per share, which was the
                    arithmetic average of the closing prices of an Allianz SE share in the electronic cash market trading system Xetra (or any successor system) on December 29,
                    2023 and the nine immediately preceding trading days, converted from Euros into U.S. dollars.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Allianz SE Option Exercises and Stock Grants Vested in 2023</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The following table summarizes the value received from Allianz SE stock grants vested during the year ended December 31, 2023.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="za169304980c8402dbea27624347bb35c" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:12.5pt;">
                    <td rowspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Name</font></div>
                      </div>
                    </td>
                    <td colspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:387.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Stock Awards</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:41pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:194.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Number of</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Shares</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Acquired</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">on Vesting (#)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:193pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Value Realized</font></div>
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">on Vesting ($)</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">(1)</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Jasmine M. Jirele</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:18.41pt;">1,467</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">341,350</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">William E. Gaumond</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:18.41pt;">1,538</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">357,870</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Eric J. Thomes</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:18.41pt;">457</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">106,337</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Neil H. McKay</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:18.41pt;">1,731</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">402,779</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:10.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Gretchen Cepek</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:18.41pt;">
                          <div style="display:flex;white-space:nowrap;width:18.41pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:18.41pt;">1,413</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:29.36pt;">
                          <div style="display:flex;white-space:nowrap;width:29.36pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:29.36pt;">328,785</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div>
              <div style="clear:both;margin-top:9.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:10pt;text-align:left;width:9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(1)</font></div>
                <div style="float:left;line-height:10pt;margin-left:8.68pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Represents Allianz SE RSUs that were exercised during 2023 pursuant to the
                    AEI. Amounts realized were paid in cash.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;118&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_47"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Executive Severance Plan</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Executive officers who have the title of Senior Vice President or above and report directly to a senior executive officer at a specific level or title of Chief Executive Officer are eligible to receive severance benefits under the Executive Severance Plan if they experience a qualifying termination of employment, meaning an involuntary termination for any reason other than for &#8220;cause&#8221; with no offer of an equivalent position, and otherwise satisfy the conditions set forth in the plan. The purpose
                  of the Executive Severance Plan is to provide severance benefits to executive officers whose employment is involuntarily terminated in a qualifying
                  termination of employment in order to assist with job transition. Pursuant to the Executive Severance Plan, eligible executive officers who are involuntarily
                  terminated in a qualifying termination of employment will receive a lump sum cash payment equal to one and one-half times their &#8220;annual base pay&#8221; in effect at
                  the time of termination. Annual base pay, for purposes of this agreement, equals base salary and excludes special payments, such as bonuses, expense reimbursements, living, or other allowances. Eligible executive officers would also be entitled to continuation of medical and dental coverage at employee premium rates for a period of 18 months following termination, if the executive officer timely elects continuation coverage and pays the required premiums.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The following table shows the lump sum payments that would have been payable to each of our NEOs had they been terminated on December 31, 2023 and been eligible for severance payments pursuant to the Executive Severance Plan.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z43bec9a4871045d6a5675fd4da19401b" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:115pt;width:264pt;">

                  <tr style="height:12.5pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">NEOs</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Lump Sum Payment</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Jasmine M. Jirele</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">1,200,000</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">William E. Gaumond</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">807,750</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Eric J. Thomes</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">878,250</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Neil H. McKay</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">787,500</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:10.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:1.625pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Gretchen Cepek</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:132pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:2pt;text-align:right;width:121.5pt;">
                        <div style="display:flex;margin:auto;width:34.83pt;">
                          <div style="display:flex;white-space:nowrap;width:34.83pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:34.83pt;">780,000</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:12pt;text-align:left;">
              <div style="margin-top:12pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Director Compensation</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The following table provides information on compensation paid to the directors of Allianz Life for the year ended December 31, 2023.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z4d48b084c8c748ceb733e85a04cf95e3" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:42.5pt;">
                    <td style="background-color:#D8D8D8;border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:106.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Name</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:194.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Fees Earned</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">or Paid in</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">Cash</font></div>
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">($)</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;position:relative;top:-3.25pt;">(1)</font>
                          <div style="clear:right;"> </div>
                        </div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;padding-bottom:3pt;padding-top:3pt;vertical-align:Bottom;width:193pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">Total</font></div>
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;">($)</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">(a)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:194.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">(b)</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:193pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.00pt;">(h)</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:21pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Andreas G. Wimmer</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.25pt;">(2)</font>
                          <div style="clear:right;"> </div>
                        </div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Chair of the Board</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">N/A</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">N/A</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:31pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Jasmine M. Jirele</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.25pt;">(3)</font>
                          <div style="clear:right;"> </div>
                        </div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">President and Chief Executive </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Officer</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">N/A</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">N/A</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:31pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">William E. Gaumond</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.25pt;">(3)</font>
                          <div style="clear:right;"> </div>
                        </div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Senior Vice President, Chief </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Financial Officer and Treasurer</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">N/A</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">N/A</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:21pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Lauren Kathryn Day</font><font style="color:#000000;font-family:Arial Narrow;font-size:5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.25pt;">(2)</font>
                          <div style="clear:right;"> </div>
                        </div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Non-Independent Director</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:194.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">N/A</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:193pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;">N/A</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:41pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Walter R. White</font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Former President and Chief </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Executive Officer; Independent </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Director</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">67,500</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">67,500</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:21pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Howard E. Woolley</font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Independent Director</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">67,500</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">67,500</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:21pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:11.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Kevin E. Walker</font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Independent Director</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">67,500</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:11.0pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">67,500</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:20.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;width:106.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Udo Frank</font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;margin-left:0.0pt;">Independent Director</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:194.5pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:6pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">97,500</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:1.5pt;padding-top:1.625pt;vertical-align:Top;white-space:nowrap;width:193pt;">
                      <div style="line-height:10pt;margin-left:6pt;margin-right:2pt;text-align:right;width:182.5pt;">
                        <div style="display:flex;margin:auto;width:25.71pt;">
                          <div style="display:flex;white-space:nowrap;width:25.71pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:auto;">$</font><font style="color:#000000;font-family:Arial Narrow;font-size:8pt;width:25.71pt;">97,500</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div>
              <div style="clear:both;margin-top:9.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:10pt;text-align:left;width:9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(1)</font></div>
                <div style="float:left;line-height:10pt;margin-left:8.68pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Represents cash compensation provided to our independent directors that is
                    formalized in the Non-Employee Director Compensation Plan for the year ended December 31, 2023.</font><font style="color:#000000;font-family:Times New Roman;font-size:8pt;line-height:10pt;"> </font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:1.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:10pt;text-align:left;width:9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(2)</font></div>
                <div style="float:left;line-height:10pt;margin-left:8.68pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">Mr. Wimmer and Ms. Day did not receive any compensation for their services as
                    directors since they are employed by one of our affiliates.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:1.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:10pt;text-align:left;width:9.32pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">(3)</font></div>
                <div style="float:left;line-height:10pt;margin-left:8.68pt;text-align:left;width:471.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">As employee directors, Ms. Jirele and Mr. Gaumond did not receive any
                    compensation for their service as directors. The compensation Ms. Jirele and Mr. Gaumond received as executive officers of Allianz Life is disclosed in the
                    Summary Compensation Table as set forth herein.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:14pt;width:494pt;min-height:13pt;">
            <div style="line-height: 10.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:5pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;119&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_7732bd32-68e6-42de-bb5e-a91f04ad5979_48"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-decoration: underline;">CEO Pay Ratio</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">In accordance with SEC rules, we determined the annual total compensation of our median compensated employee and present a comparison of that annual total compensation to the annual total compensation of our President and Chief Executive Officer (&#8220;CEO&#8221;), Jasmine M. Jirele.</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The 2023 annual total compensation of our CEO was $3,579,193.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">The 2023 annual total compensation of our median compensated employee was
                    $114,941.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Accordingly, we estimate the ratio of our CEO's annual total compensation to the annual total compensation of our median compensated employee for 2023 was 31 to 1.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Determining the Median Compensated Employee</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">In 2023, we determined the median compensated employee by collecting compensation data for all employees, including full-time, part-time, seasonal, and temporary employees, excluding our CEO, employed by the Company as of December 31, 2023. We selected December 31, 2023 as the date upon which we would identify the median employee because it enabled us to
                  make such identification in a reasonably efficient manner and it aligns with the methodology used in the other compensation-based disclosures above. As of
                  December 31, 2023, our employee population consisted of 2,108 individuals. We do not have any employees who work outside of the U.S.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We identified our median compensated employee, using total compensation as our compensation measure, which included annual base salary, cash-based incentive compensation, long-term incentive compensation, and sales-based incentive compensation earned for 2023, plus employer contributions to the Allianz Asset Accumulation Plan, life insurance premiums, and other
                  compensation. Compensation for full-time employees hired after January 1, 2023, was annualized for the full year 2023. We did not make any cost of labor
                  adjustments as the majority of our employees are compensated based upon the cost of labor in Minneapolis, MN, the location of our corporate headquarters. We
                  did not include amounts representing employer medical and dental contributions. This methodology was consistently applied to all our employees included in the calculation and is consistent with the methodology we use for our NEOs as set forth in the 2023 Summary Compensation Table.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Our pay ratio and compensation amount have been calculated using methodologies and assumptions consistent with SEC rules. The ratio and compensation amount may not be directly comparable to those of other companies because the methodologies and assumptions used to identify the median employee and determine that employee's total compensation may vary
                  significantly among companies.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Security Ownership of Certain Beneficial Owners and Management</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We are an indirect wholly owned subsidiary of Allianz SE. Allianz SE&#8217;s principal executive offices are located at K&#246;niginstrasse 28, 80802 Munich, Germany. As of March 31, 2024, the directors and executive officers of Allianz Life held less than 1% of Allianz SE&#8217;s ordinary shares issued and outstanding.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Transactions with Related Persons, Promoters and Certain Control Persons</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We are a wholly owned subsidiary of AZOA, which is a wholly owned subsidiary of Allianz Europe B.V. Allianz Europe B.V. is a wholly owned subsidiary of Allianz SE, our ultimate parent, which is registered in Munich, Germany.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Business and Operational Risks Relevant to the Contract</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">As an insurance company, a number of risks may affect our business. However, because the Contract (and any other insurance contract that we offer) is a regulated insurance product, as opposed to an investment in our business, many of the risks that may be relevant to an investor in our business are unlikely to be relevant to you. The risks described below are only those business and operational risks that are likely to be relevant to you as a purchaser of the Contract.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Risks Primarily Related to Our Financial Strength and Claims-Paying Ability</font></div>
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              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We make Annuity Payments, pay death benefits, and apply Performance Credits for this Contract from our general account. We also pay benefits for other insurance contracts from our general account, and our general account is subject to claims by our creditors. Our ability to make payments from our general account is subject to our financial strength and claims-paying ability. The following risks relate to circumstances and events that may negatively affect our general account and,
                  in turn, our financial strength and claims-paying ability.</font></div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Financial losses may threaten our financial strength and claims-paying ability.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">As an Owner of the Contract, you do not share in the profits and losses generated by our business. However, if we were to experience significant losses, we might not have sufficient assets in our general account to satisfy all of our financial obligations under the Contract. Circumstances and events that may result in financial losses include, but are not necessarily limited to, the circumstances and events listed below. We cannot predict the specific impact any of these circumstances or events may ultimately have on our financial strength or claims-paying ability.</font></div>
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                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Difficult Economic Conditions.</font><font style="color: #000000; font-family: Times New Roman;"> Our financial condition is affected by conditions in the global capital markets and the economy
                    generally. During an economic downturn, the demand for our financial insurance products and services could be adversely affected. In addition, an economic
                    downturn could cause the number and amount of full and partial withdrawals under our insurance products to increase significantly, and owners of our
                    insurance products may choose to defer making purchase payments, defer paying insurance premiums, or stop paying them altogether.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
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                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Unfavorable Interest Rate Environments.</font><font style="color: #000000; font-family: Times New Roman;"> During periods of declining interest rates, we may experience financial losses as the
                    spread between interest rates that we credit to customers under our insurance products and returns on our investments tighten. A sustained low interest rate
                    environment presents challenges for us and other life insurance companies, as it generally reduces investment returns, raises the value of future
                    obligations, and challenges asset-liability matching. During periods of increasing interest rates, we may experience financial losses due to increases in full and partial withdrawals under our insurance products as our customers choose to forgo insurance protection in favor of potentially higher returns. In an attempt to curb rising inflation, the Federal Reserve and other central banks raised
                    interest rates multiple times in 2022 and 2023. It is unclear whether and how interest rates will change in future periods. Although we take measures to
                    manage economic risks associated with different interest rate environments, we may not be able to fully mitigate those risks.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
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                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Losses on Fixed Maturity Investments.</font><font style="color: #000000; font-family: Times New Roman;"> Our fixed maturity investments are subject to interest rate risk and credit risk. Interest
                    rate risk refers to how the values of our fixed maturity investments fluctuate in response to changes in market interest rates. Increases and decreases in
                    prevailing interest rates generally result in decreases and increases, respectively, in the values of our fixed maturity investments. Credit risk refers to
                    the risk that a counterparty will default on its commitments to us under a fixed maturity investment. See &#8220;Defaults by Counterparties&#8221; below.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
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                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Losses on Equity Investments.</font><font style="color: #000000; font-family: Times New Roman;"> Our equity investments are generally valued based on quoted market prices and are subject
                    to market risk. Market risk refers to how market prices for equity investments are subject to fluctuation. A downward fluctuation in the market price for an
                    equity investment could result in losses upon the sale of that investment. Fluctuations in market prices may result from, among other things, actual or
                    perceived changes in the attractiveness of specific investments or in general market conditions.</font></div>
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                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Losses on Real Estate Investments.</font><font style="color: #000000; font-family: Times New Roman;"> A portion of our investment portfolio consists of mortgage loans and mortgage-backed
                    securities related to commercial, agricultural and residential real estate. The value of our real estate investments may be negatively impacted by general,
                    regional, and local economic conditions in the real estate sector, such as supply and demand, market volatility, interest rate fluctuations, vacancy rates,
                    and geographic and extreme weather risks, as well as the creditworthiness of obligors.</font></div>
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                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Losses upon the Sale of Illiquid Investments.</font><font style="color: #000000; font-family: Times New Roman;"> We hold certain investments that may lack liquidity, such as privately placed fixed
                    maturity investments, mortgage loans, collateralized debt obligations, commercial mortgage-backed securities, equity real estate and limited partnership
                    interests. Although we seek to minimize the likelihood that we would need to sell illiquid investments, if we were required to liquidate these investments
                    on short notice, we may have difficulty doing so and may be forced to sell them for less than their fair value.</font></div>
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                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Prolonged and Elevated Inflationary Periods.</font><font style="color: #000000; font-family: Times New Roman;"> During inflationary periods, the value of our fixed maturity investments may fall. See
                    &#8220;Losses on Fixed Maturity Investments&#8221; above. Inflation also increases expenses, which will negatively impact our financial condition in the event that such
                    additional costs cannot be offset. Prolonged and elevated inflation could adversely affect the financial markets and the economy generally, and dispelling
                    it may require governments to pursue a restrictive fiscal and monetary policy, which could constrain overall economic activity and our growth. Recently, the economy has experienced elevated inflation and inflationary pressures, which may continue in future periods.</font></div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
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                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Loss of Market Share to Competitors.</font><font style="color: #000000; font-family: Times New Roman;"> There is strong competition among insurers, banks, brokerage firms and other financial
                    institutions and providers seeking clients for the types of products and services that we provide. A loss of market share to our competitors could result in
                    financial losses to our business. Our ability to successfully compete is dependent on numerous factors, some of which include the successful implementation
                    of our business strategy, our financial strength, the attractiveness of our products and services, our relationships with distributors, and our reputation.
                  Our ability to compete may also be hindered if our competitors obtain or seek to enforce intellectual property rights against us, or if we are otherwise precluded from offering products or services that are in demand. Our ability to compete may also be hindered if we are not able to protect or enforce our own intellectual property rights.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
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                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Defaults by Counterparties.</font><font style="color: #000000; font-family: Times New Roman;"> Third-parties that owe us, or hold on our behalf (i.e., custodians), money, securities, or other assets may not fulfill their obligations to us. These parties may include issuers of investments that we may hold, borrowers
                    under loans that we may hold or extend, reinsurers, counterparties under swap and other derivative contracts and other third-parties (e.g., customers,
                    trading counterparties, brokers, dealers, banks, investment funds, clearing agents, exchanges and clearing houses). In addition, with respect to secured
                    transactions, the risk of default may be exacerbated when the collateral held by us, or for us, cannot be fully recovered, cannot be liquidated or is
                    liquidated at a price that is not sufficient to cover the full amount owed to us. A party may default on its obligations for a variety of reasons, including bankruptcy, lack of liquidity, downturns in the economy or real estate market and operational failure. General economic conditions and trends may also result in increased defaults.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
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                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Impairments of Other Financial Institutions.</font><font style="color: #000000; font-family: Times New Roman;"> We routinely execute transactions with counterparties in the financial services industry,
                    including brokers, dealers, commercial banks, investment banks, insurers, reinsurers and other investment and financial institutions. A disruption to, or
                    decline in the financial condition of, such financial institutions may expose us to financial losses. Multiple bank failures in 2023 resulted in periods of
                    market disruption and volatility and reduced confidence in depository institutions. While these events did not significantly impact our business, if banks or other financial institutions with whom we do business were to enter into receivership or become insolvent in the future, there could be an adverse effect on our business and financial condition.</font></div>
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                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Payments through Guaranty Associations.</font><font style="color: #000000; font-family: Times New Roman;"> When an insurance company becomes insolvent, state insurance guaranty associations have
                    the right to assess other insurance companies doing business in their state for funds to pay obligations to policyholders of the insolvent company, up to
                    the state-specified limit of coverage. The future failure of a large life, health or annuity insurer could trigger assessments which we would be obligated
                    to pay. Further, amounts for historical insolvencies may be assessed over many years, and there can be significant uncertainty around the total obligation
                    for a given insolvency.</font></div>
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                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Ineffectiveness of Risk Management Policies.</font><font style="color: #000000; font-family: Times New Roman;"> Our risk management policies and procedures intended to identify, monitor and manage
                    economic risks may not be fully effective at mitigating our risk exposure in all market environments or against all types of risk. This could cause us to
                    incur investment losses or cause our hedging and other risk management strategies to be ineffective.</font></div>
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                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Impacts of Climate Conditions.</font><font style="color: #000000; font-family: Times New Roman;"> We are exposed to economic risks related to climate conditions (i.e., long-term weather patterns).
                    Our financial condition could be negatively impacted by increased costs, or financial losses on investments, arising from various events related to climate
                    conditions, such as changes in public policy, changes in global investment asset values, systemic risk to financial systems, short-term or long-term market
                    disruptions, changes in mortality/morbidity assumptions, changes in consumer behavior, business disruptions, extreme weather events, litigation, increased regulatory requirements, advancements in technology, and longer-term shifts in weather patterns. Climate conditions could also impact the types of assets in which we invest. For example, a government mandated transition to a lower-carbon economy could require us (or we could voluntarily choose) to invest less in carbon-based industries,
                    even though investments in carbon-based industries may have better returns in the short or long term. In addition, real estate investments may expose us to
                    greater climate risk, as climate conditions may negatively impact market prices or supply and demand, and may make extreme weather events more likely or
                    frequent. Further, we may not be able to adequately predict and mitigate climate risk due to significant uncertainty and unknowns regarding the manifestations and timing of climate-driven events, absence of adequate historical data that captures this risk and the dependency of this risk on the extent of the actions taken in the short term by governments, corporations and communities around the world.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
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              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Changes in applicable law may negatively affect our financial strength and claims-paying ability.</font></div>
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              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We are subject to detailed and comprehensive regulation and supervision in all the jurisdictions in which we operate. Our operations, products and services are subject to varying state and federal laws. In addition, our operations, products and services are regulated by various regulatory authorities and self-regulatory authorities including state insurance </font></div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">departments, state securities administrators, state banking authorities, the Securities and Exchange Commission (&#8220;SEC&#8221;), the Financial Industry Regulatory Authority, the Internal Revenue Service, the Department of Labor, and the U.S. Commodity Futures Trading Commission.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Changes to federal and state laws and regulations may materially affect the way in which we conduct our business. We are faced with significant challenges due to the fact that our regulatory environment is evolving rapidly. Federal and state governments, including federal and state regulatory authorities, have become increasingly active in the regulation of the businesses in which we engage. In addition, federal and state regulatory authorities are assuming active, and in some cases increasingly aggressive, roles in interpreting and enforcing laws and regulations related to our business. We cannot predict the potential effects that any new laws or regulations, changes in existing laws or regulations, or the interpretation or enforcement of laws or regulations may have on our business, but such changes may negatively affect our financial strength and claims-paying ability. Below, we summarize areas of applicable law that have been subject to substantial change in recent
                  years.</font></div>
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              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Cyber-Security and Data Privacy.</font><font style="color: #000000; font-family: Times New Roman;"> We are
                  subject to federal and state laws, regulations, and directives that require financial institutions and other businesses to protect the security of computer
                  systems and the confidentiality of personal information. Financial regulators continue to focus on data privacy and cyber-security, have communicated
                  heightened expectations with respect to security and regulatory compliance, and have increased emphasis in this area in their examinations of regulated entities. Recently, the SEC has proposed new rules that would require the Company's registered separate accounts to adopt and implement comprehensive cyber-security policies and procedures and disclose significant cyber-security incidents in the prospectuses for variable contracts. Also, many states have adopted comprehensive privacy and data
                  protection laws, and insurance regulatory activity related to privacy, data protection and cyber-security also continues to increase. For example, the
                  National Association of Insurance Commissioners ("NAIC") is considering a new Consumer Privacy Protection Model Law (to replace the corresponding existing
                  model law) that would include stronger provisions related to consumer rights, consent, and notification, as well as third-party service agreements, data
                  retention and deletion policies, and data sharing agreements. We actively monitor regulatory developments in this area, and may be subject to increased compliance costs, regulatory requirements, and legal proceedings as new laws become effective.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Standards of Care.</font><font style="color: #000000; font-family: Times New Roman;"> The SEC adopted rules
                  effective on June 30, 2020 (i) imposing a &#8220;best interest&#8221; standard of care on broker-dealers making recommendations to their customers (&#8220;Regulation BI&#8221;) and
                  (ii) requiring broker-dealers and investment advisers to provide a written summary of the relationship between a broker-dealer or investment adviser, as applicable, and its customer. Since its adoption, Regulation BI has been a focus of SEC examinations and enforcement activity. These rules have increased our overall compliance costs and could also increase our exposure to legal claims in certain
                  circumstances, including an increased risk of regulatory enforcement actions or potentially private claims.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Various states have also adopted laws raising the standard of care owed by broker-dealers, investment advisers, or insurance agents to their customers. For example, at least 40 states have adopted the NAIC revisions to its Suitability in Annuity Transactions Model Regulation, which imposes a requirement that any recommendation of an annuity product be in the consumer&#8217;s best interest. Some states have also adopted laws that differ from the NAIC&#8217;s Suitability in Annuity Transactions
                  Model Regulation but impose similar obligations. As changes are adopted by our state regulator(s) and made applicable to us or the third-party firms that
                  distribute our products, they could have an adverse impact on our business. In states that have adopted these increased standards with respect to annuity
                  recommendations, this may lead to an increased risk of regulatory enforcement actions or potentially private claims.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">In addition, sales of annuities to employee benefit plans governed by provisions of the Employee Retirement Income Security Act ("ERISA") and to IRAs governed by similar provisions under the Internal Revenue Code are subject to restrictions that require ERISA fiduciaries to perform their duties solely in the interests of ERISA plan participants and beneficiaries,
                  and that prohibit ERISA fiduciaries from causing a covered plan or retirement account to engage in certain prohibited transactions absent an exemption. The
                  definition of a "fiduciary" as it relates to ERISA plans and IRAs has been the subject of multiple Department of Labor rulemaking initiatives, interpretive
                  guidance releases, and subsequent legal challenges in recent years. On October 31, 2023, the Department of Labor proposed rule amendments that would broaden the circumstances under which fiduciary duties are imposed, particularly with regard to recommendations to "rollover" assets from a qualified retirement plan to an IRA or from an IRA to another IRA.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We continue to closely monitor these ongoing regulatory developments. It remains unclear the extent to which these regulatory initiatives and the evolving nature of enforcement and interpretation of them could ultimately affect how our insurance products are marketed and distributed. Any of the foregoing regulatory and legislative measures (or judicial matters on those measures), or the reaction to such activity by consumers or other members of the insurance industry could </font></div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">have an adverse impact on our ability to sell annuities and other products, and to retain in-force business.
                Inconsistencies among the rules adopted by the SEC, the DOL, and state insurance regulators could increase this impact.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">Artificial Intelligence.</font><font style="color: #000000; font-family: Times New Roman;"> State regulators
                  and the NAIC are evaluating existing regulatory frameworks for insurance industry use of artificial intelligence, machine learning, and large language models
                  (&#8220;AI&#8221;). Regulators are concerned about the privacy and protection of individual consumer data and about bias and discrimination resulting from the use of AI
                  in algorithms and predictive models, as may be used either directly by insurance companies or indirectly through third party service providers. For example, in December 2023, the NAIC adopted a model bulletin on the use of AI by insurers, which was intended to remind insurance companies that decisions impacting consumers that are made or supported by advanced analytical and
                  computational technologies, including AI, must comply with all applicable insurance laws and regulations, including unfair trade practices. The bulletin also
                  sets forth state insurance regulators&#8217; expectations on how insurers should govern the use of such technologies by or on behalf of the insurer to make or
                  support such decisions. Our adoption of new AI technologies may be inhibited by the emergence of industry-wide standards, a changing legislative and
                  regulatory environment, and other factors. In addition, our adoption of new AI technologies may expose us to increased compliance costs and heightened regulatory risks.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Our reserves could be inadequate due to differences between our actual experience and management&#8217;s estimates and assumptions.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We establish and carry reserves to pay future benefits and claims of contract owners. Our reserves are calculated based on a number of estimates and assumptions, including estimates and assumptions related to future mortality, morbidity, interest rates, future equity performance, reinvestment rates, persistency, claims experience, and contract owner elections (i.e., the exercise or non-exercise of contract benefits). The assumptions and estimates used in connection with the reserve estimation process are inherently uncertain, involve the exercise of significant judgment and reflect evolving information. For
                  example, the current rates of mortality and morbidity may continue to improve in the future due to medical and technological advancements that result in
                  contract owners living longer than anticipated. We periodically review the adequacy of reserves and the underlying assumptions and make adjustments when
                  appropriate. We cannot, however, determine with precision the amounts that we will pay for, or the timing of payment of, actual benefits and claims or whether the assets supporting the contract liabilities will grow to the level assumed prior to payment of benefits or claims. If actual results differ significantly from our estimates and assumptions, our claim costs could increase significantly and our reserves could be inadequate. If so, we will be required to increase reserves. However, we cannot be certain that our reserves will ultimately be sufficient to pay future benefits and claims of contract owners.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">The amount of statutory capital that we must hold to meet our statutory capital requirements can vary significantly from time to time.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Statutory accounting standards and capital and reserve requirements are prescribed by the applicable state insurance regulators and the NAIC. State insurance regulators have established regulations that govern reserving requirements and provide minimum capitalization requirements based on risk-based capital (&#8220;RBC&#8221;) ratios for life insurance companies. In any
                  particular year, statutory surplus amounts and RBC ratios may increase or decrease depending on a variety of factors, including but not limited to, the amount
                  of statutory income or losses that we generate, changes in reserves, the amount of additional capital that we must hold to support business growth, changes in
                  equity market levels, the value of certain fixed-income and equity securities in our investment portfolio, changes in interest rates, and changes to existing
                  RBC formulas. Additionally, state insurance regulators have significant leeway in interpreting existing regulations, which could further impact the amount of statutory capital or reserves that we must maintain. There can be no assurance that we will be able to maintain our current RBC ratio in the future or that our RBC ratio will not fall to a level that could have a material adverse effect on our business. If we are unable to maintain minimum capitalization requirements, our business may be subject to significant increases in supervision and control by state insurance regulators.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Litigation and regulatory proceedings may negatively affect our financial strength and claims-paying ability.</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We have been named as defendants in lawsuits (both class actions and individual lawsuits) and have been involved in various regulatory investigations and examinations, and we may be involved in more in the future. These actions arise in various contexts, including in connection with our activities as an insurer, securities issuer, employer, investor, and taxpayer. Lawsuits and regulatory proceedings may involve significant amounts of damages (including punitive damages) or fines that
                  we must pay, and certain regulatory authorities involved in regulatory proceedings have substantial power over our business operations. An adverse outcome in
                  any lawsuit or regulatory proceeding that results in significant financial losses or operational burdens may negatively affect our financial strength and
                  claims-paying ability.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Reinsurance may not be available or affordable, or may not be adequate to protect against harm to our
                financial strength and claims-paying ability.</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">As part of our overall risk management strategy, we purchase reinsurance for certain risks underwritten by our various business segments. While reinsurance agreements generally bind the reinsurer for the life of the business reinsured at generally fixed pricing, market conditions beyond our control can determine the availability and cost of the reinsurance protection
                  for new business. If we are unable to purchase the desired amount of reinsurance protection on acceptable terms, our risk of loss may increase. As our risk of
                  loss increases, so does the risk that we may not be able to meet our financial obligations.</font></div>
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            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Our hedging programs may be inadequate to protect against harm to our financial strength and claims-paying ability.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Certain types of insurance and investment products that we offer expose us to risks associated with fluctuations in financial markets. Although we use hedging techniques to manage risks associated with our insurance guarantees, increased volatility in the financial markets and unanticipated contract owner behavior may increase the cost of these hedges and/or negatively
                  affect our ability to hedge certain risks. We may lose money on the derivatives that we hold as part of our hedging programs or otherwise. Ultimately, our
                  hedging programs may be inadequate to protect us against the full extent of the exposure or losses we seek to mitigate, which in turn may negatively impact
                  our financial strength and claims-paying ability.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Downgrades and potential downgrades to our claims-paying and financial strength ratings may signal a higher risk that we may be unable to meet our financial obligations, and may themselves negatively affect our financial strength and claims-paying ability.</font><font style="color: #000000; font-family: Times New Roman; font-weight: bold; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Our claims-paying and financial strength ratings, which various ratings organizations publish as measures of an insurance company's ability to meet contract owner obligations, are important to maintaining public confidence in Allianz Life and our products, and the ability to market our products and services. A downgrade or an announced potential downgrade by credit rating agencies in our claims-paying and financial strength ratings may reflect an increased risk that we may not be able to
                  meet our financial obligations. Any such downgrade or potential downgrade may itself harm our financial strength and claims-paying ability by causing
                  financial losses to our business. Such losses may be the result of:</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
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                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">reductions in new sales of insurance products, annuities and other investment
                    products;</font></div>
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              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
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                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">increases in our cost of capital or limitations on our access to sources of
                    capital;</font></div>
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                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">harm to our relationships with distributors and sales specialists;</font></div>
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              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">increases in the number or amount of full and partial withdrawals under our
                    insurance products;</font></div>
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              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">pressure on us to reduce prices or increase crediting rates for many of our
                    insurance products; and</font></div>
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                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">harm to our ability to obtain reinsurance or obtain reasonable pricing for
                    reinsurance.</font></div>
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            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Similarly, credit rating agencies also evaluate the insurance industry as a whole and may change Allianz Life&#8217;s and other insurance companies&#8217; financial strength ratings based on the agencies&#8217; overall view of the industry. It is possible that Allianz Life&#8217;s credit rating could be similarly downgraded in the future based on credit rating agencies&#8217; evaluation of the life insurance industry as a whole due to changes in their view of Allianz Life relative to the industry or a change in their rating assessment methodologies. In addition, downgrades or announced potential downgrades in the financial strength ratings of the financial institutions with which we do business may adversely impact our business operations and may cause
                  financial losses to our business.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">The evolving landscape of environmental, social and governance standards could adversely affect our reputation or business results and could lead to litigation or regulatory proceedings that harm our financial condition.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Customers, regulators, and other market participants may evaluate our business or other practices according to a variety of environmental, social and governance ("ESG") standards, expectations, or metrics, all of which may evolve, may be subjective or underdeveloped in nature, and may reflect contrasting or conflicting values. Standard-setting organizations and
                  regulators including, but not limited to, the NAIC, SEC, and state insurance regulators, have proposed or adopted, or may propose or adopt, ESG rules or
                  standards applicable to us. For example, the NAIC has generally modified the Insurer Climate Risk Disclosure survey to align with aspects of the Financial
                  Stability Board&#8217;s Task Force on Climate-Related Financial Disclosures ("TCFD") framework, a recognized framework of recommendations that were developed to
                  enhance climate-related disclosures. In addition, the SEC has recently adopted new disclosure rules that will generally require a wide range of registered companies to prepare extensive disclosures and financial information on climate-related risk in their registration statements and periodic reports filed with the SEC. Also, in October 2023, the Governor of California </font></div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;125&#8201;</font></div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">signed two bills into law that will require significant climate-related disclosures&#160; by large entities doing business in
                that state. In addition, certain organizations that provide information to investors have developed ratings for evaluating companies on their approach to different ESG matters. Due to the sometimes conflicting, uncertain, and subjective ESG regulatory and market environment, we may be seen as acting inconsistently with ESG standards or values from the perspective of certain
                customers, regulators, or other constituents. As a result, we may face adverse regulatory, customer, media, or public scrutiny related to ESG that potentially
                could have a negative impact on our business or reputation or lead to legal challenges.</font></div>
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              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold; text-decoration: underline;">Risks Primarily Related to Our Business Operations</font></div>
            </div>
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              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Breaches of security, or interference with our technology infrastructure, could harm our business.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Our business relies on technology systems and networks, including systems and networks managed by third parties to process, transmit and store information, and to conduct business activities and transactions with clients, distributors, vendors, and other third parties. We are also subject to certain federal and state regulations that require us to establish and maintain policies and procedures designed to protect sensitive client information. Maintaining the integrity of our systems is critical to the success of our business operations, including the retention of clients, and to the protection of our clients&#8217; personal information. To date, we have not identified any material breaches or interference with our systems and networks; however, we routinely encounter and address such threats, including an increasing frequency of phishing scams, introductions of malware and unauthorized payment requests. Any such breaches or interference by third parties or by our employees that
                  may in the future occur could have a material adverse impact on our business operations and our financial condition.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Publicly-reported cyber-security threats and incidents have dramatically increased in recent years, and financial services companies and their third-party service providers are increasingly the targets of cyber-attacks involving the encryption and/or threat to disclose personal or confidential information (e.g., ransomware) or disruptions of communications (e.g., denial of service) to extort money or for other malicious purposes. The techniques used to attack systems and networks change frequently, are becoming more sophisticated, and can originate from a wide variety of sources. The use of remote or flexible
                  work arrangements, remote access tools, and mobile technology have expanded potential targets for cyber-attack.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">We have implemented and maintain security measures designed to protect against breaches of security and other interference with systems and networks resulting from attacks by third parties, including hackers, and from employee error or malfeasance. We also require third party vendors who, in the provision of services to us, are provided with or process information pertaining to our business or our clients to meet certain information security standards. Changes in our technology platforms may also require corresponding changes in our systems, networks and data security measures. In addition, the
                  increasing reliance on technology systems and networks and the occurrence and potential adverse impact of attacks on such systems and networks, both generally
                  and in the financial services industry, have enhanced government and regulatory scrutiny of the measures taken by companies to protect against cyber-security
                  threats. As these threats, and government and regulatory oversight of associated risks, continue to evolve, we may be required to expend additional resources to enhance or expand upon the security measures we currently maintain.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Despite the measures we have taken and will in the future take to address and mitigate these risks, we cannot ensure that our systems and networks will not be subject to breaches or interference. Any such event may result in operational disruptions as well as unauthorized access to or the disclosure or loss of our proprietary information or our clients&#8217; personal
                  information, which in turn may result in legal claims, regulatory scrutiny and liability, reputational damage, the incurrence of costs to eliminate or
                  mitigate further exposure, the loss of clients or other damage to our business. Any such event may interfere with, impede or cause delays in our calculation
                  of values, processing of transactions and making of payments under the Contract. In addition, the trend toward broad consumer and general public notification
                  of such incidents could exacerbate the harm to our business operations and our financial condition. Even if we successfully protected our technology infrastructure and the confidentiality of sensitive data, we may incur significant expenses in responding to any such attacks as well as the adoption and maintenance of appropriate security measures. Although we maintain
                  cyber-security insurance coverage against costs resulting from cyber-security incidents, it is possible losses will exceed the amount available under our
                  coverage. We could also suffer harm to our business and reputation if attempted security breaches are publicized. We cannot be certain that advances in
                  criminal capabilities, discovery of new vulnerabilities, attempts to exploit vulnerabilities in our systems, data thefts, physical system or network break-ins
                  or inappropriate access, or other developments will not compromise or breach the technology or other security measures </font></div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;126&#8201;</font></div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">protecting our networks and systems used in connection with our products and services. It is possible that a cyber-security
              incident could persist for an extended period of time without detection. There may be an increased risk of cyberattacks during periods of geo-political or military conflict.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">The failure to protect our clients&#8217; confidential information and privacy could adversely affect our business.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">A number of our businesses are subject to privacy regulations and confidentiality obligations, including the Gramm-Leach-Bliley Act and state privacy laws and regulations. We also have contractual obligations to protect certain confidential information we obtain from our existing vendors and clients. These obligations generally include protecting such confidential
                  information in the same manner and to the same extent as we protect our own confidential information. The actions we take to protect confidential information
                  vary by business segment and may include, among other things:</font></div>
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                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">training and educating our employees regarding our obligations relating to
                    confidential information;</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
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                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">monitoring changes in state or federal privacy and compliance requirements;</font></div>
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                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">drafting appropriate contractual provisions into any contract that raises
                    proprietary and confidentiality issues;</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
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                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">maintaining secure storage facilities for tangible records;</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
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                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.0pt;"><font style="color: #000000; font-family: Times New Roman;">limiting access to electronic information; and</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
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            </div>
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              <div style="clear:both;margin-top:2pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;text-align:left;width:9.6pt;"><font style="color: #000000; font-family: Times New Roman;">&#8226;&#8194;</font></div>
                <div style="float:left;line-height:12pt;margin-left:4.4pt;text-align:left;width:475.00pt;"><font style="color: #000000; font-family: Times New Roman;">in the event of a security breach, providing credit monitoring or other
                    services to affected customers.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
              </div>
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            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">In addition, we must develop, implement and maintain a comprehensive written information security program with appropriate administrative, technical and physical safeguards to protect such confidential information. If we do not properly comply with privacy regulations and protect confidential information, we could experience adverse consequences, including
                  regulatory sanctions, such as penalties, fines and loss of license, as well as loss of reputation and possible litigation. This could have an adverse impact
                  on our Company&#8217;s reputation and business results.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Protection from system interruptions and operating errors is important to our business. A sustained interruption to our telecommunications, or data processing systems or other failure in operational execution could harm our business operations and our business results.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Operating errors and system or network interruptions could delay and disrupt our ability to develop, deliver or maintain our products and services, causing harm to our business and reputation and resulting in loss of customers or revenue. Operating errors and system or network interruptions may also interfere with, impede or cause delays in our calculation of values, processing of transactions and making of payments under the Contract. Interruptions could be caused by operational failures arising from employee error or malfeasance, interference by third parties (including hackers and other cyber-attacks),
                  implementation of new technology, and maintenance of existing technology. Our financial, accounting, data processing or other operating systems and facilities
                  may fail to operate or report data properly, experience connectivity disruptions or otherwise become disabled as a result of events that are wholly or
                  partially beyond our control, adversely affecting our ability to process transactions or provide products and services to customers. The cause of these
                  interruptions can include fires, floods, earthquakes and other natural disasters, power losses, equipment failures, attacks by third parties, failures of internal or vendor software or systems and other events beyond our control.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">In addition, we rely on third party service providers and vendors for certain communications, technology and business functions and face the risk of operational failure (including, without limitation, failure caused by an inaccuracy, untimeliness or other deficiency in data reporting), termination or capacity constraints of any of the clearing agents, exchanges,
                  clearing houses or other third party service providers that we use to facilitate or are component providers to our transactions and other product
                  manufacturing and distribution activities. These risks are heightened by the evolution in the financial markets of increasingly sophisticated products, by
                  business-driven hedging, by compliance issues and by other risk management or investment or by financial management strategies. Any such failure, termination
                  or constraint could adversely impact our ability to implement transactions, service our clients, manage our exposure to risk or otherwise achieve desired outcomes.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">The occurrence of natural or man-made disasters and catastrophes could adversely affect our business operations and our business results.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The occurrence of natural or man-made disasters and catastrophes, including extreme weather events, acts of terrorism, geo-political disputes, public health crises (e.g. COVID-19), industrial accident, blackout, cyber-attack, computer virus, insider threat, insurrections and military actions, unanticipated problems with our disaster recovery systems, or a support failure from external providers, could adversely affect our business operations and our business results, particularly if those events affect our computer-based data processing, transmission, storage, and retrieval systems or destroy data. Such disasters and catastrophes may damage our facilities, preventing our employees from performing their roles or otherwise </font></div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;127&#8201;</font></div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">disturbing our ordinary business operations, and by impacting claims. Such disasters and catastrophes may also impact us indirectly by changing the condition and behaviors of our customers, business counterparties and regulators, as well as by causing declines or volatility in the economic and financial markets. Climate conditions could increase our overall risk as extreme weather events may become more likely or frequent. We rely on certain third-parties to provide certain services important to our business operations. While we monitor the performance of such third-parties, including those with employees who
                operate remotely, successful implementation and execution of their business continuity strategies are largely outside of our control. Weaknesses or failures
                within a vendor&#8217;s business continuity plan in light of a natural or man-made disaster or catastrophe could materially disrupt our business operations.</font></div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">Inadequate or failed processes or systems, human factors or external events may adversely affect our reputation or operational effectiveness, as well as our financial condition.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Operational risk is inherent in our business and can manifest itself in various ways, including business interruption, poor vendor performance, information systems malfunctions or failures, regulatory breaches, human errors, employee misconduct, external fraud, and inability to recruit, motivate, and retain key employees. These events can potentially result in
                  financial loss, harm to our reputation and/or hinder our operational effectiveness. Management attempts to control these risks and keep operational risk at
                  low levels by maintaining a sound and well controlled environment in light of the characteristics of our business, markets and regulatory environment in which
                  we operate. Notwithstanding these measures, operational risk is part of the business environment in which we operate, and we may experience operational
                  disruptions and incur losses from time to time due to these types of risks.</font></div>
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            <div style="line-height:13.0pt;margin-top:11pt;text-align:left;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 12.0pt; position: relative; top: -2pt; width: 494pt;"><font style="color: #000000; font-size: 11pt; text-transform: lowercase;">15.</font><font style="color: #000000; font-size: 11pt; line-height: 13pt; text-transform: uppercase;">&#8194;</font><font style="color: #000000; font-size: 11pt; text-transform: uppercase;">Financial Statements</font></div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The statutory financial statements of Allianz Life Insurance Company of North America as of December 31, 2023 and 2022 and for each of the three years in the period ended December 31, 2023 included in Appendix H of this prospectus have been so included in reliance on the report of PricewaterhouseCoopers LLP, an independent registered public accounting firm,
                  given on the authority of said firm as experts in auditing and accounting.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The financial statements of the subaccounts of Allianz Life Variable Account B of Allianz Life Insurance Company of North America (&#8220;Variable Account B&#8221;) as of December 31, 2023 are incorporated herein by reference to Variable Account B&#8217;s </font><a href="https://www.sec.gov/Archives/edgar/data/836346/000083634624000028/nvpfsazsepacctbapril2024.htm"><font style="color: #000000; font-family: Times New Roman; text-decoration: underline;">Form N-VPFS</font></a><font style="color: #000000; font-family: Times New Roman;"> (File No. 811-05618) filed with the SEC have been so incorporated in reliance on the report
                  of PricewaterhouseCoopers LLP, an independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting.</font></div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;128&#8201;</font></div>
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            <div style="line-height:13.0pt;margin-top:9pt;text-align:left;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 0pt; top: -2pt; width: 494pt;"><font style="color: #000000; font-size: 11pt; text-transform: uppercase;">Appendix A &#8211;
                Available Indexes</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">S&amp;P 500</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;text-transform:uppercase;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;"> Index</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The S&amp;P 500</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> Index is comprised of 500 stocks representing major U.S. industrial sectors.</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;">
                </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The "S&amp;P 500</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> Index" is a product of S&amp;P Dow Jones Indices LLC or its affiliates (&#8220;SPDJI&#8221;), and has been licensed for use by Allianz Life Insurance Company of North America ("Allianz"). S&amp;P</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;">, S&amp;P 500</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;">, US 500, and The 500 are trademarks of S&amp;P Global, Inc. or its affiliates (&#8220;S&amp;P&#8221;);
                  Dow Jones</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> is a registered trademark of Dow Jones
                  Trademark Holdings LLC (&#8220;Dow Jones&#8221;); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Allianz. It is not possible to invest directly in an index. Allianz products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&amp;P, any of their respective affiliates (collectively, &#8220;S&amp;P Dow Jones Indices&#8221;). Neither S&amp;P Dow Jones Indices nor any third party licensors make any representation or warranty, express or implied, to the owners of the Allianz products or any member of the public regarding the advisability of investing in securities generally or in
                  Allianz products particularly or the ability of the S&amp;P 500</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> Index to track general market performance. Past performance of an index is not an indication or guarantee of future results. S&amp;P
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              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Russell 2000</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;text-transform:uppercase;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;"> Index</font></div>
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          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:26pt;width:494pt;min-height:13pt;">
            <div style="line-height: 11.0pt;">
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              <div> </div>
              <font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;">Appendix A</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:15pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;129&#8201;</font></div>
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                the Licensor Parties make any claim, prediction, warranty or representation whatsoever, expressly or impliedly, either as to (i) the results to be obtained from
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                or otherwise, or (iii) the suitability of the Index for the purpose to which it is being put in connection with the Allianz product. None of the Licensor Parties have provided or will provide any financial or investment advice or recommendation in relation to the Index to Allianz or to its clients. The Index is calculated by Russell or its agent. None of the Licensor Parties shall be (a) liable
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              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Nasdaq-100</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;text-transform:uppercase;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;"> Index</font></div>
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              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">EURO STOXX 50</font><font style="color:#000000;font-family:Arial Narrow;font-size:6.5pt;font-weight:bold;position:relative;text-transform:uppercase;top:-4.25pt;">&#174;</font></div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:11pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font>
              <div> </div>
              <font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;">Appendix A</font></div>
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              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The iShares</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> MSCI Emerging Markets ETF distributed by BlackRock Investments, LLC. iShares</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;">, BLACKROCK</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;">, and the corresponding
                  logos are registered trademarks of BlackRock, Inc. and its affiliates (&#8220;BlackRock&#8221;) and are used under license. These trademarks have been licensed for
                  certain purposes by Allianz Life Insurance Company of North America ("Allianz") and its wholly-owned subsidiaries. Products offered by Allianz or its
                  wholly-owned subsidiaries are not sponsored, endorsed, sold or promoted by BlackRock, and purchasers of such products do not acquire any interest in the iShares</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> MSCI Emerging Markets ETF nor enter into any relationship of any kind with BlackRock. BlackRock makes no representations or
                  warranties, express or implied, to the owners of any products offered by Allianz or its wholly-owned subsidiaries, or any member of the public regarding the
                  advisability of purchasing a product from Allianz or its wholly-owned subsidiaries. BlackRock has no obligation or liability for any errors, omissions,
                  interruptions or use of the iShares MSCI Emerging Markets ETF or any data related thereto, or with the operation, marketing, trading or sale of any products or services offered by Allianz and its wholly-owned subsidiaries.</font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:26pt;width:494pt;min-height:13pt;">
            <div style="line-height: 11.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:11pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font>
              <div> </div>
              <font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;">Appendix A</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:15pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;131&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_13969904-7e2a-4090-83c4-ae366258d8a5_1"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:648pt;">
            <div style="line-height:13.0pt;margin-top:9pt;text-align:left;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 0pt; top: -2pt; width: 494pt;"><font style="color: #000000; font-size: 11pt; text-transform: uppercase;">Appendix B &#8211; Daily
                Adjustment</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold;">Generally</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:2.5pt;text-align:left;">
              <div style="margin-top:2pt;"><font style="color: #000000; font-family: Times New Roman;">We designed the Daily Adjustment to provide an Index Option Value for each Index Option on Business Days other than the Term Start Date or the Term End Date. The Daily Adjustment approximates the Performance Credit that will be available on the Term End Date, adjusting for:</font></div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:10pt;text-align:left;width:9.43pt;"><font style="color: #000000; font-family: Times New Roman;">(i)</font></div>
                <div style="float:left;line-height:12pt;margin-left:10.57pt;text-align:left;width:459.00pt;"><font style="color: #000000; font-family: Times New Roman;">any Index gains during the Term subject to the applicable Trigger Rate,
                    Cap, and/or Participation Rate,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:10pt;text-align:left;width:12.2pt;"><font style="color: #000000; font-family: Times New Roman;">(ii)</font></div>
                <div style="float:left;line-height:12pt;margin-left:7.8pt;text-align:left;width:459.00pt;"><font style="color: #000000; font-family: Times New Roman;">for the Index Dual Precision Strategy, any Index losses less than or equal to
                    the 10%, 20%, or 30% Buffer,</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:10pt;text-align:left;width:14.97pt;"><font style="color: #000000; font-family: Times New Roman;">(iii)</font></div>
                <div style="float:left;line-height:12pt;margin-left:5.03pt;text-align:left;width:459.00pt;"><font style="color: #000000; font-family: Times New Roman;">either any Index losses greater than the 10%, 20%, or 30% Buffer, or Index
                    losses down to the -10% Floor (not applicable to the Index Protection Strategy with Trigger or Index Protection Strategy with Cap), and</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;margin-top:2.5pt;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:10pt;text-align:left;width:14.43pt;"><font style="color: #000000; font-family: Times New Roman;">(iv)</font></div>
                <div style="float:left;line-height:12pt;margin-left:5.57pt;text-align:left;width:459.00pt;"><font style="color: #000000; font-family: Times New Roman;">the number of days until the Term End Date.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Daily Adjustment formula has two primary components, (i) the change in Proxy Value and (ii) accumulated proxy interest, which are added together and then multiplied by the Index Option Base. We designed the Daily Adjustment to estimate the present value of positive or negative Performance Credit on the Term End Date taking into account any applicable
                  Buffer, Floor, Trigger Rate, Cap, and/or Participation Rate. You should note that even if your selected Index(es) experience positive growth, the Daily
                  Adjustments may be negative because of other market conditions, such as the expected volatility of Index Values and interest rates. Therefore, the Daily
                  Adjustment could result in a loss beyond the protection of the Buffer or Floor. The Daily Adjustment for Index Options with a Term length of more than 1 year
                  may be more negatively impacted by changes in the expected volatility of Index Values than 1-year Term Index Options due to the difference in Term length. Also, the risk of a negative Daily Adjustment is greater for Index Options with a Term length of more than 1 year than for 1-year Term Index Options with the same Buffer because the Buffer is exposed to a longer time period. The impact of the Cap and Buffer on the Daily Adjustment for a 1-year Term Index Option is greater than it is for a 3-year
                  or 6-year Term Index Option because we apply the Cap and Buffer for the entire Term length, and the Term length is shorter for a 1-year Term. The Daily
                  Adjustment for the Index Protection Strategy with Trigger&#160;and&#160;Index Protection Strategy with Cap cannot be negative.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold;">Daily Adjustment Formula</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:2pt;text-align:left;">
              <div style="margin-top:2pt;"><font style="color: #000000; font-family: Times New Roman;">The formula for the calculation of the Daily Adjustment is as follows:</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Daily Adjustment = [(a) change in Proxy Value + (b) proxy interest] x Index Option Base</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Where:</font></div>
            </div>
            <div>
              <div style="clear:both;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:11.09pt;"><font style="color: #000000; font-family: Times New Roman;">(a)</font></div>
                <div style="float:left;line-height:12pt;margin-left:2.91pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">change in Proxy Value = (current Proxy Value &#8211; beginning Proxy Value)</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div>
              <div style="clear:both;position:relative;width:100%;">
                <div style="float:left;line-height:12pt;margin-left:14pt;text-align:left;width:11.66pt;"><font style="color: #000000; font-family: Times New Roman;">(b)</font></div>
                <div style="float:left;line-height:12pt;margin-left:2.34pt;text-align:left;width:461.00pt;"><font style="color: #000000; font-family: Times New Roman;">proxy interest = beginning Proxy Value x (1 &#8211; time remaining during the
                    Term)</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold;">Calculating Change in Proxy Value</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:2pt;text-align:left;">
              <div style="margin-top:2pt;"><font style="color: #000000; font-family: Times New Roman;">The change in Proxy Value represents the current hypothetical value of the Proxy Investment (current Proxy Value), less the cost of the Proxy Investment on the Term Start Date (beginning Proxy Value).</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The current Proxy Value is the Proxy Value calculated on the same day as the Daily Adjustment. The beginning Proxy Value is the Proxy Value calculated on the Term Start Date.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Proxy Value is calculated differently for each Crediting Method.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">For the </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Index Performance
                  Strategy</font><font style="color: #000000; font-family: Times New Roman;">, the Proxy Value involves tracking three hypothetical derivatives and is calculated using the following formula:</font></div>
            </div>
            <div style="line-height:12.0pt;margin-left:14pt;margin-top:2pt;text-align:left;">
              <div style="margin-top:2pt;"><font style="color: #000000; font-family: Times New Roman;">Proxy Value = (at-the-money call) &#8211; (out-of-the-money call) &#8211; (out-of-the-money put)</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">With respect to our Proxy Value formula, we designed the at-the-money call and out-of-the-money call to value the potential for Index gains subject to any applicable Participation Rate up to the Cap, and the out-of-the-money put to value the potential for Index losses greater than the Buffer&#160;for the Index Performance Strategy. Similar to the Index Precision Strategy&#160;and Index Dual Precision Strategy, it is important to note that the out-of-the-money put will almost always reduce the Proxy Value, even when the current Index Value on a Business Day is higher than the Index Value on the Term Start Date. This is because the risk that the Index Value could be lower on the Term End Date is present to some extent whether or not
                  the current Index Value on a Business Day is lower than the Index Value on the Term Start Date. For purposes of the Proxy Value formula the value of the
                  out-of-the-money call will be zero if an Index Option is uncapped.</font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:26pt;width:494pt;min-height:13pt;">
            <div style="line-height: 11.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:11pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font>
              <div> </div>
              <font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;">Appendix B</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:15pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;132&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_13969904-7e2a-4090-83c4-ae366258d8a5_2"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:648pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">For the </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Index
                Guard Strategy</font><font style="color: #000000; font-family: Times New Roman;">, the Proxy Value involves tracking four hypothetical derivatives and is calculated using the following formula:</font></div>
            <div style="line-height:12.0pt;margin-left:14pt;margin-top:2.5pt;text-align:left;">
              <div style="margin-top:2pt;"><font style="color: #000000; font-family: Times New Roman;">Proxy Value = (at-the-money call) &#8211; (out-of-the-money call) &#8211; (at-the-money put) + (out-of-the-money put)</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">With respect to our Proxy Value formula, we designed the at-the-money call and out-of-the-money call to value the potential for Index gains up to the Cap and the at-the-money put to value the potential for Index losses, but add back the out-of-money put to mimic the protection of the -10% Floor for the Index Guard Strategy. It is important to note that the at-the-money put will almost always reduce the Proxy Value, even when the current Index Value on a Business Day is higher than the Index Value on the Term Start Date. It is also important to note that the out-of-money put will almost always reduce,
                  and never exceed, the negative impact of the at-the-money put for the Index Guard Strategy.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">For the </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Index Dual
                  Precision Strategy</font><font style="color: #000000; font-family: Times New Roman;">, the Proxy Value involves tracking two hypothetical derivatives and is calculated using the following formula:</font></div>
            </div>
            <div style="line-height:12.0pt;margin-left:14pt;margin-top:2pt;text-align:left;">
              <div style="margin-top:2pt;"><font style="color: #000000; font-family: Times New Roman;">Proxy Value = [Trigger Rate x (in-the-money binary call)] &#8211; (out-of-the-money put)</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">With respect to our Proxy Value formula, we designed the in-the-money binary call to value the potential for gains equal to the Trigger Rate if on the Term End Date, the Index Value divided by the Index Value on the Term Start Date is greater than or equal to: 90%&#160;for a 10% Buffer, or 80% for a 20% Buffer, or 70% for a 30% Buffer, and the out-of-the-money put to value the
                  potential for Index losses greater than the Buffer for the Index Dual Precision Strategy. Similar to the Index Performance Strategy and Index Precision
                  Strategy, it is important to note that the out-of-the-money put will almost always reduce the Proxy Value, even when the current Index Value on a Business Day
                  is higher than the Index Value on the Term Start Date. This is because the risk that the Index Value could be lower on the Term End Date is present to some
                  extent whether or not the current Index Value on a Business Day is lower than the Index Value on the Term Start Date.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">For the </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Index Precision
                  Strategy</font><font style="color: #000000; font-family: Times New Roman;">, the Proxy Value involves tracking two hypothetical derivatives and is calculated using the following formula:</font></div>
            </div>
            <div style="line-height:12.0pt;margin-left:14pt;margin-top:2pt;text-align:left;">
              <div style="margin-top:2pt;"><font style="color: #000000; font-family: Times New Roman;">Proxy Value = [Trigger Rate x (at-the-money binary call)] &#8211; (out-of-the-money put)</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">With respect to our Proxy Value formula, we designed the at-the-money binary call to value the potential for gains equal to the Trigger Rate if on the Term End Date, the Index Value is greater than or equal to the Index Value on the Term Start Date, and the out-of-the-money put to value the potential for Index losses greater than the Buffer for the Index Precision Strategy.
                  Similar to the Index Performance Strategy and Index Dual Precision Strategy, it is important to note that the out-of-the-money put will almost always reduce
                  the Proxy Value, even when the current Index Value on a Business Day is higher than the Index Value on the Term Start Date. This is because the risk that the
                  Index Value could be lower on the Term End Date is present to some extent whether or not the current Index Value on a Business Day is lower than the Index Value on the Term Start Date.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">For the </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Index Protection
                  Strategy with Trigger</font><font style="color: #000000; font-family: Times New Roman;">, the Proxy Value involves tracking one hypothetical derivative and is calculated using the following formula:</font></div>
            </div>
            <div style="line-height:12.0pt;margin-left:14pt;margin-top:2pt;text-align:left;">
              <div style="margin-top:2pt;"><font style="color: #000000; font-family: Times New Roman;">Proxy Value = Trigger Rate x (at-the-money binary call)</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">With respect to our Proxy Value formula, we designed the at-the-money binary call to value the potential for gains equal to the Trigger Rate if on the Term End Date, the Index Value is greater than or equal to the Index Value on the Term Start Date.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">For the </font><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Index Protection
                  Strategy with Cap</font><font style="color: #000000; font-family: Times New Roman;">, the Proxy Value involves tracking two hypothetical derivatives and is calculated using the following formula:</font></div>
            </div>
            <div style="line-height:12.0pt;margin-left:14pt;margin-top:2pt;text-align:left;">
              <div style="margin-top:2pt;"><font style="color: #000000; font-family: Times New Roman;">Proxy Value = (at-the-money call) &#8211; (out-of-the-money call)</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">With respect to our Proxy Value formula, we designed the at-the-money call and out-of-the-money call to value the potential for Index gains up to the Cap for the Index Protection Strategy with Cap.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold;">Calculating Proxy Interest</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:2pt;text-align:left;">
              <div style="margin-top:2pt;"><font style="color: #000000; font-family: Times New Roman;">The proxy interest is an amount of interest that is earned to provide compensation for the cost of the Proxy Investment on the Term Start Date. The proxy interest is approximated by the value of amortizing the cost of the Proxy Investment over the Term to zero. The formula for proxy interest involves the calculation of: (i) the beginning Proxy Value&#160;(the formula for which varies depending on the Crediting Method, as previously discussed), and (ii) the time remaining during the Term. The time remaining during the Term is equal to the number of days remaining in the Term divided by the Term length. The </font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:26pt;width:494pt;min-height:13pt;">
            <div style="line-height: 11.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:11pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font>
              <div> </div>
              <font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;">Appendix B</font></div>
          </div>
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          <div style="float:left;margin-left:50pt;margin-top:15pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;133&#8201;</font></div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">Term length is equal to the number of days from the Term Start Date to the Term End Date. The proxy interest may be significantly different from current interest rates available on interest bearing investments.</font></div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold;">Additional Information</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:2pt;text-align:left;">
              <div style="margin-top:2pt;"><font style="color: #000000; font-family: Times New Roman;">You can find a more detailed explanation of the calculation of the Proxy Value, including examples, in Exhibit 99 of the Form S-1 Registration Statement filed with the SEC, of which this prospectus is a part. This Exhibit is incorporated by reference into this prospectus. You can obtain a copy of Exhibit 99 by calling (800) 624-0197, or visiting our website at www.allianzlife.com.</font></div>
            </div>
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          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:26pt;width:494pt;min-height:13pt;">
            <div style="line-height: 11.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:11pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font>
              <div> </div>
              <font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;">Appendix B</font></div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;134&#8201;</font></div>
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            <div style="line-height:13.0pt;margin-top:9pt;text-align:left;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 0pt; top: -2pt; width: 494pt;"><font style="color: #000000; font-size: 11pt; text-transform: uppercase;">Appendix C &#8211; Annual
                Contract Fees Calculation Examples</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic; font-weight: bold;">Please note that these examples may differ from your actual results due to rounding.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Assuming You Purchase a Contract with the Traditional Death Benefit</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">You purchase a Contract with the Traditional Death Benefit and your Contract automatically includes the Income Benefit. On the Quarterly Contract Anniversary your total annual Contract fees are 1.95% (1.25% product fee and a 0.70% rider fee for the Income Benefit) and your Contract Value and Charge Base are $100,000. This Contract Value includes any gains or losses on the Variable Option (if applicable) and any Daily Adjustments or Performance Credits on the Index Options. During the
                  quarter you make no additional Purchase Payments and take no withdrawals. We calculate the daily Contract fee amount for this quarter as follows:</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(the Charge Base) x (total annual Contract fees &#247; 365) = daily Contract fee amount, or:</font><font style="color: #000000; font-family: Times New Roman;"> $100,000 x (1.95% &#247; 365) = $5.34</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If there are 89 days in the current quarter (which includes the next Quarterly Contract Anniversary), then the total quarterly Contract fees are:</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(number of days in the current quarter) x (daily Contract fee amount), or:</font><font style="color: #000000; font-family: Times New Roman;"> 89 x $5.34 = $475.48</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">On the next Quarterly Contract Anniversary we would deduct $475.48 from the Contract Value. We first account for any gains/losses on the Variable Option (if applicable) and add any Daily Adjustments or Performance Credits to the Index Option Values, then process any additional Purchase Payments, withdrawals you take, and deductions we make for the total quarterly
                  Contract fees. We then set the Charge Base equal to this new Contract Value. If the Contract Value at the end of the day on the Quarterly Contract Anniversary
                  after all processing is $101,250 we would begin computing the daily Contract fees for the next quarter on the next day as:</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(the Charge Base) x (total annual Contract fees &#247; 365) = daily Contract fee amount, or:</font><font style="color: #000000; font-family: Times New Roman;"> $101,250 x (1.95% &#247; 365) = $5.41</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If you make an additional Purchase Payment of $15,000 on the 43rd day of the next quarter, your Charge Base would increase by the dollar amount of the payment to $116,250 ($101,250 + $15,000). We would then use this new Charge Base to begin computing the daily Contract fees for the remainder of the quarter on the next day as:</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(the Charge Base) x (total annual Contract fees &#247; 365) = daily Contract fee amount, or:</font><font style="color: #000000; font-family: Times New Roman;"> $116,250 x (1.95% &#247; 365) = $6.21</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If there are 92 days in the current quarter (which includes the next Quarterly Contract Anniversary), then the total quarterly Contract fees are:</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(number of days in the current quarter) x (daily Contract fee amount), or:</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">(43 x $5.41) + (49 x $6.21) = $232.60 + $304.32 = $536.92</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">On the next Quarterly Contract Anniversary we would deduct $536.92 from the Contract Value after we account for any gains/losses on the Variable Option (if applicable) and add any Daily Adjustments or Performance Credits to the Index Option Values. We would then process any additional Purchase Payments, withdrawals you take, and deductions we make for the total
                  quarterly Contract fees and set the Charge Base equal to this new Contract Value and begin computing the daily Contract fees for the next quarter on the next
                  day.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Assuming You Purchase a Contract with the Maximum Anniversary Value Death Benefit</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">You purchase a Contract with the Maximum Anniversary Value Death Benefit and your Contract automatically includes the Income Benefit. On the Quarterly Contract Anniversary your total annual Contract fees are 2.15% (1.25% product fee, 0.70% rider fee for the Income Benefit, and a 0.20% rider fee for the Maximum Anniversary Value Death Benefit) and your Contract
                  Value and Charge Base are $100,000. This Contract Value includes any gains or losses on the Variable Option (if applicable) and any Daily Adjustments or
                  Performance Credits on the Index Options. During the quarter you make no additional Purchase Payments and take no withdrawals. We calculate the daily Contract
                  fee amount for this quarter as follows:</font></div>
            </div>
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              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:11pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font>
              <div> </div>
              <font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;">Appendix C</font></div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;135&#8201;</font></div>
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            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(the Charge Base) x (total annual Contract fees &#247; 365) = daily Contract fee amount, or:</font><font style="color: #000000; font-family: Times New Roman;"> $100,000 x (2.15% &#247; 365) = $5.89</font></div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If there are 89 days in the current quarter (which includes the next Quarterly Contract Anniversary), then the total quarterly Contract fees are:</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(number of days in the current quarter) x (daily Contract fee amount), or:</font><font style="color: #000000; font-family: Times New Roman;"> 89 x $5.89 = $524.25</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">On the next Quarterly Contract Anniversary we would deduct $524.25 from the Contract Value. We first account for any gains/losses on the Variable Option (if applicable) and add any Daily Adjustments or Performance Credits to the Index Option Values, then process any additional Purchase Payments, withdrawals you take, and deductions we make for the total quarterly
                  Contract fee. We then set the Charge Base equal to this new Contract Value. If the Contract Value at the end of the day on the Quarterly Contract Anniversary
                  after all processing is $101,250, we would begin computing the daily Contract fees for the next quarter on the next day as:</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(the Charge Base) x (total annual Contract fees &#247; 365) = daily Contract fee amount, or:</font><font style="color: #000000; font-family: Times New Roman;"> $101,250 x (2.15% &#247; 365) = $5.96</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If you make an additional Purchase Payment of $15,000 on the 43rd day of the next quarter, your Charge Base would increase by the dollar amount of the payment to $116,250 ($101,250 + $15,000). We would then use this new Charge Base to begin computing the daily Contract fees for the remainder of the quarter on the next day as:</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(the Charge Base) x (total annual Contract fees &#247; 365) = daily Contract fee amount, or:</font><font style="color: #000000; font-family: Times New Roman;"> $116,250 x (2.15% &#247; 365) = $6.85</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">If there are 92 days in the current quarter (which includes the next Quarterly Contract Anniversary), then the total quarterly Contract fees are:</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-weight: bold;">(number of days in the current quarter) x (daily Contract fee amount), or:</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">(43 x $5.96) + (49 x $6.85) = $256.45 + $335.53 = $591.98</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">On the next Quarterly Contract Anniversary we would deduct $591.98 from the Contract Value after we account for any gains/losses on the Variable Option (if applicable) and add any Daily Adjustments or Performance Credits to the Index Option Values. We would then process any additional Purchase Payments, withdrawals you take, and deductions we make for the total
                  quarterly Contract fees and set the Charge Base equal to this new Contract Value and begin computing the daily Contract fees for the next quarter on the next
                  day.</font></div>
            </div>
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          <div style="float:left;margin-left:50pt;margin-top:26pt;width:494pt;min-height:13pt;">
            <div style="line-height: 11.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:11pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font>
              <div> </div>
              <font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;">Appendix C</font></div>
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            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;136&#8201;</font></div>
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            <div style="line-height:13.0pt;margin-top:9pt;text-align:left;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 0pt; top: -2pt; width: 494pt;"><font style="color: #000000; font-size: 11pt; text-transform: uppercase;">Appendix D &#8211;
                Increasing Income Payment Example with Performance Lock and Early Reallocation</font></div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Assume your Contract Value is $100,000 and you allocate 20% to the Index Protection Strategy with Trigger using the S&amp;P 500</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> Index and 80% to the Index Protection Strategy with the Cap using the EURO STOXX 50</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> on the Income Benefit
                  Date.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">During the first Income Benefit Year you execute a Performance Lock on the Index Protection Strategy with the Cap using the EURO STOXX 50</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;">. On the Lock Date, the increase in Index Option Value is 2.80%. A month later you execute an Early Reallocation and move the locked Index Option Value into Index Protection Strategy with the Cap using the Nasdaq-100</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> Index. On the day of Early Reallocation, the percentage of
                  total Index Option Base in the EURO STOXX 50</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> Index Option is still 80% before we apply daily transactions.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">After applying daily transactions, the Index Option Base for the Index Protection Strategy with the Cap using Nasdaq-100</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font><font style="color: #000000; font-family: Times New Roman;">Index Option is now $82,240 ($80,000 Index Option Base plus the 2.80% increase in Index Option Value). The Term End Date for this Index Option will be the second Income Benefit Anniversary.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">On the first Income Benefit Anniversary, before applying daily transactions the Index Option Base in the Index Protection Strategy with Trigger is $19,858, and the Index Option Base in the Index Protection Strategy with Cap is $81,654. This means 19.56% (=$19,858 / ($19,858 + $81,654)) of the Index Option Base is in the Index Protection Strategy with Trigger, and 80.44%
                  (= $81,654 / ($19,858 + $81,654)) of the Index Option Base is in the Index Protection Strategy with the Cap using the Nasdaq-100</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;">.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The Index Protection Strategy with Trigger using the S&amp;P 500</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> Index receives a 3.5% Performance Credit. The Index Protection Strategy with the Cap using the Nasdaq-100</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> Index is not locked and it does not receive a Performance Credit because this anniversary
                  is not a Term End Date. The Index Protection Strategy with the Cap using the EURO STOXX 50</font><font style="color:#000000;font-family:Times New Roman;font-size:6.5pt;position:relative;top:-4.25pt;">&#174;</font><font style="color: #000000; font-family: Times New Roman;"> had a locked increase in Index Option Value of 2.80%.</font></div>
            </div>
            <div style="line-height:10.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Your annual maximum Income Payment on the first Income Benefit Anniversary will increase by 2.92% ((3.5% x 19.56%) + (0% x 80.44%) + (80% x 2.80%)).</font></div>
            </div>
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          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:26pt;width:494pt;min-height:13pt;">
            <div style="line-height: 11.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:11pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font>
              <div> </div>
              <font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;">Appendix D</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:15pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;137&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_9a8c7d9b-914f-45dd-9fca-5d63a041d8f6_1"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:648pt;">
            <div style="line-height:13.0pt;margin-top:9pt;text-align:left;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 0pt; top: -2pt; width: 494pt;"><font style="color: #000000; font-size: 11pt; text-transform: uppercase;">Appendix E &#8211;
                Previous Versions of Income Benefit and Income Multiplier Benefit</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The benefit version identifier, for example (05.23), is located in your rider.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Income Benefit and Income Multiplier Benefit (05.23) was available from May 1, 2023 to July 3, 2023. Income Benefit and Income Multiplier Benefit (05.23) had an Income Payment waiting period of one Index Year, an income multiplier factor of two, an income multiplier benefit wait period of five Contract Years, and the following table for Income Percentages and
                  Income Percentage Increases.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="zb364f468ebc54ef9b6309275860c0f8f" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:13.5pt;">
                    <td rowspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 4.25pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;margin-left:0.0pt;">Eligible Person&#8217;s Age (or </font></div>
                        <div style="margin-left: 6pt; margin-right: 4.25pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;margin-left:0.0pt;">younger Eligible Person&#8217;s </font></div>
                        <div style="margin-left: 6pt; margin-right: 4.25pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;margin-left:0.0pt;">age for joint Income </font></div>
                        <div style="margin-left: 6pt; margin-right: 4.25pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;margin-left:0.0pt;">Payments)</font></div>
                      </div>
                    </td>
                    <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:287pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Income Percentages</font></div>
                      </div>
                    </td>
                    <td rowspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Income Percentage</font><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;line-height:9.5pt;"> </font></div>
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Increases</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:115pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Level Income</font></div>
                      </div>
                    </td>
                    <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:172pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Increasing Income</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:33pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Single </font></div>
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;line-height:9.5pt;"> </font></div>
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Payments</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Joint Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;line-height:9.5pt;"> </font></div>
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Payments</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Single Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;line-height:9.5pt;"> </font></div>
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Payments</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Joint Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;line-height:9.5pt;"> </font></div>
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Payments</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0-50</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">2.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.25%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">51</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.25%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">52</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.25%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">53</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.25%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">54</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.25%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">55</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.30%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">56</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.30%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">57</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.30%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">58</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.30%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">59</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.30%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">60</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.35%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">61</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.35%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">62</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.35%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">63</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.35%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">64</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.35%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">65</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.40%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">66</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.40%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">67</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.40%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">68</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.40%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">69</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.40%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">70</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.45%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">71</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.45%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">72</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.45%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">73</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.45%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">74</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.45%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">75</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.50%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">76</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.50%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">77</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.50%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">78</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.50%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">79</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.50%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:9.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">80+</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:9.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.70%</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:9.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.20%</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:9.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.40%</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:9.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.90%</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:9.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.55%</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:12pt;text-align:left;">
              <div style="margin-top:12pt;"><font style="color: #000000; font-family: Times New Roman;">Income Benefit and Income Multiplier Benefit (7.23) was available from July 4, 2023 to October 2, 2023. Income Benefit and Income Multiplier Benefit (7.23) had an Income Payment waiting period of one Index Year, an income multiplier </font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:26pt;width:494pt;min-height:13pt;">
            <div style="line-height: 11.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:11pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font>
              <div> </div>
              <font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;">Appendix E</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:15pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;138&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_9a8c7d9b-914f-45dd-9fca-5d63a041d8f6_2"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:648pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">factor of two, an income multiplier benefit wait period of five Contract Years, and the following table for Income Percentages and Income Percentage Increases.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z54b81ae7626e4ec181b005d6ceab9a62" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:13.5pt;">
                    <td rowspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 4.25pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;margin-left:0.0pt;">Eligible Person&#8217;s Age (or </font></div>
                        <div style="margin-left: 6pt; margin-right: 4.25pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;margin-left:0.0pt;">younger Eligible Person&#8217;s </font></div>
                        <div style="margin-left: 6pt; margin-right: 4.25pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;margin-left:0.0pt;">age for joint Income </font></div>
                        <div style="margin-left: 6pt; margin-right: 4.25pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;margin-left:0.0pt;">Payments)</font></div>
                      </div>
                    </td>
                    <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:287pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Income Percentages</font></div>
                      </div>
                    </td>
                    <td rowspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Income Percentage</font><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;line-height:9.5pt;"> </font></div>
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Increases</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:115pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Level Income</font></div>
                      </div>
                    </td>
                    <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:172pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Increasing Income</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:33pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Single </font></div>
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;line-height:9.5pt;"> </font></div>
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Payments</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Joint Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;line-height:9.5pt;"> </font></div>
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Payments</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Single Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;line-height:9.5pt;"> </font></div>
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Payments</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Joint Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;line-height:9.5pt;"> </font></div>
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Payments</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0-50</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.25%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">51</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.25%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">52</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.25%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">53</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.25%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">54</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.25%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">55</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.30%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">56</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.30%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">57</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.30%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">58</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.30%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">59</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.30%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">60</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.35%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">61</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.35%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">62</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.35%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">63</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.35%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">64</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.35%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">65</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.40%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">66</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.40%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">67</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.40%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">68</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.40%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">69</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.40%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">70</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.45%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">71</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.45%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">72</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.45%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">73</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.45%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">74</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.45%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">75</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.50%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">76</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.50%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">77</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.50%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">78</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.50%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">79</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.50%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:9.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">80+</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:9.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">8.00%</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:9.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.50%</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:9.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.70%</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:9.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.20%</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:9.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.55%</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:12pt;text-align:left;">
              <div style="margin-top:12pt;"><font style="color: #000000; font-family: Times New Roman;">Income Benefit and Income Multiplier Benefit (10.23) was available from October 3, 2023 to April 30, 2024. Income Benefit and Income Multiplier Benefit (10.23) had an Income Payment waiting period of one Index Year, an income </font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:26pt;width:494pt;min-height:13pt;">
            <div style="line-height: 11.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:11pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font>
              <div> </div>
              <font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;">Appendix E</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:15pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;139&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_9a8c7d9b-914f-45dd-9fca-5d63a041d8f6_3"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:648pt;">
            <div style="line-height:12.0pt;text-align:left;"><font style="color: #000000; font-family: Times New Roman;">multiplier factor of two, an income multiplier benefit wait period of five Contract Years, and the following table for Income Percentages and Income Percentage Increases.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="zda664bbad8cf4bda9bf6bd6d6b4fe179" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:13.5pt;">
                    <td rowspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left: 6pt; margin-right: 4.25pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;margin-left:0.0pt;">Eligible Person&#8217;s Age (or </font></div>
                        <div style="margin-left: 6pt; margin-right: 4.25pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;margin-left:0.0pt;">younger Eligible Person&#8217;s </font></div>
                        <div style="margin-left: 6pt; margin-right: 4.25pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;margin-left:0.0pt;">age for joint Income </font></div>
                        <div style="margin-left: 6pt; margin-right: 4.25pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;margin-left:0.0pt;">Payments)</font></div>
                      </div>
                    </td>
                    <td colspan="4" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:287pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Income Percentages</font></div>
                      </div>
                    </td>
                    <td rowspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Income Percentage</font><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;line-height:9.5pt;"> </font></div>
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Increases</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:115pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Level Income</font></div>
                      </div>
                    </td>
                    <td colspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:172pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Increasing Income</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:33pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Single </font></div>
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;line-height:9.5pt;"> </font></div>
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Payments</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Joint Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;line-height:9.5pt;"> </font></div>
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Payments</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Single Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;line-height:9.5pt;"> </font></div>
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Payments</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Joint Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;line-height:9.5pt;"> </font></div>
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;font-weight:bold;">Payments</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0-50</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.25%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">51</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.25%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">52</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.25%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">53</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.25%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">54</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.25%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">55</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">3.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.30%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">56</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.30%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">57</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.30%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">58</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.30%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">59</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.30%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">60</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.35%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">61</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.35%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">62</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.35%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">63</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.35%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">64</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.35%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">65</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">4.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.40%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">66</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.40%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">67</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.40%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">68</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.40%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">69</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.40%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">70</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.45%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">71</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.45%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">72</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.45%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">73</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.45%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">74</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.45%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">75</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">5.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.50%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">76</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.50%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">77</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.90%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.40%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.50%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">78</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">8.00%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.50%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.70%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.20%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.50%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">79</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">8.10%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.60%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.80%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.30%</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:10.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.50%</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:11.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:98pt;">
                      <div style="line-height:9.5pt;text-align:left;">
                        <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">80+</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:50pt;">
                      <div style="line-height:9.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">8.20%</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:9.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">7.70%</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:65pt;">
                      <div style="line-height:9.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.90%</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:107pt;">
                      <div style="line-height:9.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">6.40%</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:109pt;">
                      <div style="line-height:9.5pt;text-align:left;">
                        <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:8.5pt;">0.55%</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:1.0pt;text-align:left;"> </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:26pt;width:494pt;min-height:13pt;">
            <div style="line-height: 11.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:11pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font>
              <div> </div>
              <font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;">Appendix E</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:15pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;140&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_06125c5c-3ab7-4afb-ade5-b8b00ce02df7_1"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:648pt;">
            <div style="line-height:13.0pt;margin-top:9pt;text-align:left;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 0pt; top: -2pt; width: 494pt;"><font style="color: #000000; font-size: 11pt; text-transform: uppercase;">Appendix F &#8211;
                Material Contract Variations by State and Issue Date</font></div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">Your Contract is subject to the law of the state in which it is issued. Some of the features of your Contract may differ from the features of a Contract issued in another state because of state-specific legal requirements. In addition, not all features and benefits are approved in all states. All material state variations in the Contract are disclosed in this Appendix. If you would like more information regarding state specific Contract provisions, you should contact your Financial Professional or contact our Service Center at the toll-free telephone number listed at the back of this prospectus.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.5pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Crediting Method and/or Index Option Availability Restrictions</font><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;">&#8195;</font></div>
            </div>
            <div style="line-height:0.0pt;text-align:left;"> </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z3af022fcce2e40e2afcf350fe921b2cb" style="empty-cells:show;margin-left:12pt;width:470pt;">

                  <tr style="height:14.25pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Bottom;width:235pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-right:6pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Crediting Method / Index Options</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Bottom;width:235pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;margin-left:6pt;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Availability Restrictions:</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:102.5pt;">
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;width:235pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Index Dual Precision Strategy 1-year Term with 10% Buffer are </font></div>
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">available only to Contracts issued since November 14, 2023.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;width:235pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">&#8211;&#8194;Not available to Contracts issued before November 14, 2023.</font></div>
                        <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">&#8211;&#8194;Not available to Contracts issued in Missouri, and Nebraska.</font></div>
                        <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">&#8211;&#8194;Not available to Contracts issued in Virginia before May 13, 2024.</font></div>
                        <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">&#8211;&#8194;Not available to Contracts issued in Idaho, Indiana, Louisiana, </font></div>
                        <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:8.2pt;">Maryland, Montana, Nevada, and Wyoming before January 22, </font></div>
                        <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:8.2pt;">2024.</font></div>
                        <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">&#8211;&#8194;For Contracts issued in all other states, this Crediting Method first </font></div>
                        <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:8.2pt;">became available to newly issued Contracts on November 14, </font></div>
                        <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:8.2pt;">2023.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:58.5pt;">
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;width:235pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Index Dual Precision Strategy 1-year Term with 20% or 30% Buffer </font></div>
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">are available only to Contracts issued since May 1, 2024.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;width:235pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">&#8211;&#8194;Not available to Contracts issued before May 1, 2024.</font></div>
                        <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">&#8211;&#8194;Not available to Contracts issued in Idaho, Missouri, and Nebraska.</font></div>
                        <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">&#8211;&#8194;Not available to Contracts issued in Virginia before May 13, 2024.</font></div>
                        <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">&#8211;&#8194;For Contracts issued in all other states, these first became </font></div>
                        <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:8.2pt;">available to newly issued Contracts on May 1, 2024.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:91.5pt;">
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;width:235pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Index Performance Strategy 1-year Term with 20% or 30% Buffer are </font></div>
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">available only to Contracts issued since November 14, 2023.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;width:235pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">&#8211;&#8194;Not available to Contracts issued before November 14, 2023.</font></div>
                        <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">&#8211;&#8194;Not available to Contracts issued in Missouri, and Nebraska.</font></div>
                        <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">&#8211;&#8194;Not available to Contracts issued in Virginia before May 13, 2024.</font></div>
                        <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">&#8211;&#8194;Not available to Contracts issued in Idaho, Indiana, Louisiana, </font></div>
                        <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:8.2pt;">Maryland, Montana, Nevada, and Wyoming before January 22, </font></div>
                        <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:8.2pt;">2024.</font></div>
                        <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">&#8211;&#8194;For Contracts issued in all other states, these first became </font></div>
                        <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:8.2pt;">available to newly issued Contracts on November 14, 2023.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:93.75pt;">
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;width:235pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">Index Performance Strategy 6-year Term with 20% Buffer are </font></div>
                        <div style="margin-right: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">available only to Contracts issued since November 14, 2023.</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Top;width:235pt;">
                      <div style="line-height:12.0pt;text-align:left;">
                        <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">&#8211;&#8194;Not available to Contracts issued before November 14, 2023.</font><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;line-height:11pt;margin-left:0.0pt;"> </font></div>
                        <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">&#8211;&#8194;Not available to Contracts issued in Missouri, and Nebraska.</font></div>
                        <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">&#8211;&#8194;Not available to Contracts issued in Virginia before May 13, 2024.</font></div>
                        <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">&#8211;&#8194;Not available to Contracts issued in Idaho, Indiana, Louisiana, </font></div>
                        <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:8.2pt;">Maryland, Montana, Nevada, and Wyoming before January 22, </font></div>
                        <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:8.2pt;">2024.</font></div>
                        <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:0.0pt;">&#8211;&#8194;For Contracts issued in all other states, these first became </font></div>
                        <div style="margin-left: 6pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:9pt;margin-left:8.2pt;">available to newly issued Contracts on November 14, 2023.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:12pt;text-align:left;">
              <div style="margin-top:12pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Material State Contract Variations</font><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;font-weight:bold;">&#8195;</font></div>
            </div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z4b41d3d95c604a119df68cd7030da89a" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:15.5pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:73.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">ISSUE STATE</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">FEATURE AND BENEFITS</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">VARIATION</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:49.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">California</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Eligible Person(s) and </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Covered Person(s)</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See section 2</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;We do not remove a person as an Eligible Person(s) or Covered Person(s) </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">following an assignment, ownership change, or Beneficiary
                            change.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If you are the sole individual Owner or a Joint Owner and select joint </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Income Payments, you must designate an Owner to be a
                            Covered Person.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:26pt;width:494pt;min-height:13pt;">
            <div style="line-height: 11.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:11pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font>
              <div> </div>
              <font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;">Appendix F</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:15pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;141&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_06125c5c-3ab7-4afb-ade5-b8b00ce02df7_2"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:648pt;">
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="zc18910a7129245549dd375df2c91f79c" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:15.5pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:73.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">ISSUE STATE</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">FEATURE AND BENEFITS</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">VARIATION</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:219pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">California </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(continued)</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Assignments, Changes of </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Ownership and Other </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transfers of Contract Rights</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See section 2</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">We cannot restrict assignments or changes
                            of ownership</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;We do not change the Determining Life (Lives) following an assignment or </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">ownership change. If you assign the Contract and the
                            Determining Life </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">(Lives) are no longer an Owner (or Annuitant if the Owner
                            is a </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">non-individual) the Traditional Death Benefit or Maximum
                            Anniversary </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Value Death Benefit may not be available and on the Owner&#8217;s
                            death the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Beneficiary(s) will only receive the Contract Value.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If you assign the Contract </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">on or before</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> the Income Benefit Date and as a </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">result none of the Eligible Person(s) are an Owner (or
                            Annuitant if the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Owner is a non-individual), </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Income Payments will not be available, but </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">the Income Benefit and
                            its associated rider fee will continue.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> Your </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">only recourse is to restore an Eligible Person as an Owner
                            by assigning or </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">changing ownership, or to remove the Income Benefit if you
                            no longer </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">want to pay the rider fee.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If you assign the Contract </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">after</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> the Income Benefit Date and a Covered </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Person(s) who was previously an Owner no longer has that
                            position, </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">Income Benefit and any
                            Income Payments may end even if the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">Covered Person is still
                            alive</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:99pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Free Look/Right to Examine </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Period</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See section 3</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">For Owners age 60 or older (or Annuitants age 60 or older
                            for </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">non-individually owned Contracts), we are required to
                            allocate your initial </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Purchase Payment to the Variable Option during the 30 day
                            free look period </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">unless you specify otherwise on the appropriate form. If you
                            want to </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">immediately apply your Purchase Payment to the Index Options
                            you must </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">opt out of this allocation. If you do not opt out of this
                            allocation to the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Variable Option your Index Effective Date cannot occur until
                            the free look </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">period has ended.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:51pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Waiver of Withdrawal Charge </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See section 7</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Qualification for the portion of the portion of the benefit based on </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">confinement for care requiring a stay in an eligible
                            facility is not available.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Qualification for the benefit is expanded to include requiring substantial </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">supervision due to severe cognitive impairment.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:51pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Income Multiplier Benefit</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See section 11</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Qualification for the portion of the benefit based on confinement for care </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">requiring a stay in an eligible facility is not available.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;Qualification for the benefit is expanded to include requiring substantial </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">supervision due to severe cognitive impairment.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:159pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">When the Income Benefit </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Ends</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See section 11</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The Income Benefit and any Income Payments end based on the
                            earlier of </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">the date of death of an individual Owner (or Annuitant if
                            the Owner is a </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">non-individual), or last surviving Covered Person. Upon the
                            death of an </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">individual Owner (or Annuitant if the Owner is a
                            non-individual), if the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">deceased&#8217;s spouse:</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;continues the Contract, the Income Benefit and Income Payments end on </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the earlier of the date of death of the surviving spouse,
                            or last surviving </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Covered Person.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">elects to receive payment of the death benefit, the Income
                            Benefit ends on </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">the Business Day we receive his or her Valid Claim.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:7.34pt;">&#8195;</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">This means if you assign
                            the Contract after the Income Benefit Date, </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-style:italic;font-weight:bold;margin-left:7.34pt;">Income Payments may end
                            even if the Covered Person is still alive.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:25.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Connecticut</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Income Multiplier Benefit</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See section 10</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">This benefit is not available.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:26pt;width:494pt;min-height:13pt;">
            <div style="line-height: 11.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:11pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font>
              <div> </div>
              <font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;">Appendix F</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:15pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;142&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_06125c5c-3ab7-4afb-ade5-b8b00ce02df7_3"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:648pt;">
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z464477bce7de4e7d947ae2d73f5fc40a" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:15.5pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:73.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">ISSUE STATE</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">FEATURE AND BENEFITS</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">VARIATION</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:63pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Connecticut </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(continued)</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Eligible Person(s) and </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Covered Person(s)</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See section 2</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">We do not automatically remove a person as an Eligible
                            Person(s) or </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Covered Person(s) following notice of a change in spousal
                            status, an </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">assignment, ownership change, or Beneficiary change. In
                            these situations, </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">to remove an Eligible Person or Covered Person you must also
                            provide us </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">with a specific request.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:243pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Assignments, Changes of </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Ownership and Other </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transfers of Contract Rights</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See section 2</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">We can only restrict assignments to
                            settlement companies and </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">institutional investors as described in
                            your Contract</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;We do not change the Determining Life (Lives) following an assignment or </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">ownership change.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If you assign the Contract and the Determining Life (Lives) are no longer </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">an Owner (or Annuitant if the Owner is a non-individual)
                            the Traditional </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Death Benefit or Maximum Anniversary Value Death Benefit
                            may not be </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">available and on the Owner&#8217;s death the Beneficiary(s) will
                            only receive the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Contract Value.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If you assign the Contract </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">on or before</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> the Income Benefit Date and as a </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">result none of the Eligible Person(s) are an Owner (or
                            Annuitant if the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Owner is a non-individual), </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Income Payments will not be available, but </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">the Income Benefit and its associated
                            rider fee will continue</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">. Your </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">only recourse is to restore an Eligible Person as an Owner
                            by assigning or </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">changing ownership, or to remove the Income Benefit if you
                            no longer </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">want to pay the rider fee.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;If you assign the Contract </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">after</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;"> the Income Benefit Date and a Covered </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Person(s) who was previously an Owner (or Annuitant if the
                            Owner is a </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">non-individual) no longer has that position, </font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">the Income Benefit and any </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:7.34pt;">Income Payments may end even if the
                            Covered Person is still alive.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:27pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Florida</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawal Charges</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See Fee Tables and section 6</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The total withdrawal charge on a partial or full withdrawal
                            cannot be greater </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">than 10% of the Contract Value withdrawn.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:87pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Assignments, Changes of </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Ownership and Other </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transfers of Contract Rights</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See section 2</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">We cannot restrict assignments or changes
                            of ownership.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;We do not change the Determining Life (Lives) following an assignment or </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">ownership change. If you assign the Contract and the
                            Determining Life </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">(Lives) are no longer an Owner (or Annuitant if the Owner
                            is a </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">non-individual) the Traditional Death Benefit or Maximum
                            Anniversary </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Value Death Benefit may not be available and on the Owner&#8217;s
                            death the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Beneficiary(s) will only receive the Contract Value.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:39pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Free Look/Right to Examine </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Period</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See section 3</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">We cannot allocate your initial Purchase Payment to the
                            Variable Option </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">during the free look period.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:39pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">When Annuity Payments </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Begin</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See section 8</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The earliest acceptable Annuity Date is the first Index
                            Anniversary.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:27pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Hawaii</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Income Multiplier Benefit</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See section 10</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">This benefit is not available.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:51pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maryland</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Purchase Requirements</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See section 3</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">On the Issue Date, all Owners (or the Annuitant if the Owner
                            is a </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">non-individual) must be:</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;age 49 to 80, or</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;age 49 to 75 if you select the Maximum Anniversary Value Death Benefit.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:25.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Income Multiplier Benefit</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See section 10</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">This benefit is not available.&#160;</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:26pt;width:494pt;min-height:13pt;">
            <div style="line-height: 11.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:11pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font>
              <div> </div>
              <font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;">Appendix F</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:15pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;143&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_06125c5c-3ab7-4afb-ade5-b8b00ce02df7_4"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:648pt;">
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z332a70fafb20426e9d854736caae411e" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:15.5pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:73.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">ISSUE STATE</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">FEATURE AND BENEFITS</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">VARIATION</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:39pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maryland </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(continued)</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum Anniversary Value </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Death Benefit</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See section 11</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">This optional benefit terminates on the Annuity Date rather
                            than the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Business Day before.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:39pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Traditional Death Benefit </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Rider</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See section 11</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The Traditional Death Benefit ends on the Annuity Date
                            rather than the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Business Day before.</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:39pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Massachusetts</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Waiver of Withdrawal Charge </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See section 7</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">This benefit is not available.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:63pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Montana</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Access to Your Money</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See section 7</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">If you take a partial withdrawal that reduces the Contract
                            Value below </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$2,000, we contact you and give you the option of modifying
                            your withdrawal </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">request. If we cannot reach you within seven days of our
                            receipt of your </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">request in Good Order at our Service Center, we process your
                            request as a </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">full withdrawal.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:27pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">New Jersey</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Joint Owner</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See section 2</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">We allow civil union partners to be Joint Owners.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:27pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Determining Life (Lives)</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See section 2</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">We allow civil union partners to be joint Determining Lives.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:87pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Eligible Person(s) and </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Covered Person(s)</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See section 2</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">We allow civil union partners to be joint Eligible Persons
                            and joint Covered </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Persons. If at any time joint Eligible Persons or joint
                            Covered Persons are no </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">longer civil union partners you must send us written notice.
                            If we receive </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">notice on or before the Income Benefit Date, joint Income
                            Payments will not </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">be available to you. If we receive notice after the Income
                            Benefit Date, we </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">will remove one former civil union partner from the Contract
                            as a Covered </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Person and also as an Owner, Joint Owner, Annuitant and/or
                            Beneficiary.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:99pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Assignments, Changes of </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Ownership and Other </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transfers of Contract Rights</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See section 2</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">We cannot restrict assignments or changes
                            of ownership.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;We do not change the Determining Life (Lives) following an assignment or </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">ownership change. If you assign the Contract and the
                            Determining Life </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">(Lives) are no longer an Owner (or Annuitant if the Owner
                            is a </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">non-individual) the Traditional Death Benefit or Maximum
                            Anniversary </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Value Death Benefit may not be available and on the Owner&#8217;s
                            death the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Beneficiary(s) will only receive the greater of Contract
                            Value or Cash </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Value.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:63pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Purchase Requirements</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See section 3</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;The maximum total Purchase Payments that we can accept is $10 million. </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">We must decline a Purchase Payment if it would cause total
                            Purchase </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Payments to be more than $10 million, or if it would
                            otherwise violate the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Purchase Payment restrictions of your Contract (for
                            example, we do not </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">allow additional Purchase Payments on or after the Annuity
                            Date).</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:87pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Ohio</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Assignments, Changes of </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Ownership and Other </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transfers of Contract Rights</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See section 2</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">We cannot restrict assignments or changes
                            of ownership.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;We do not change the Determining Life (Lives) following an assignment or </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">ownership change. If you assign the Contract and the
                            Determining Life </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">(Lives) are no longer an Owner (or Annuitant if the Owner
                            is a </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">non-individual) the Traditional Death Benefit or Maximum
                            Anniversary </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Value Death Benefit may not be available and on the Owner&#8217;s
                            death the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Beneficiary(s) will only receive the Contract Value.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:49.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Pennsylvania</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Waiver of Withdrawal Charge </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Benefit</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See section 7</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The requirement to begin confinement after the first
                            Contract Anniversary in </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">an eligible facility (a hospital, nursing facility, or
                            assisted living facility) is at </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">least 90 days provided each day of confinement is no more
                            than 6 months </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">after the previous day of confinement.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:26pt;width:494pt;min-height:13pt;">
            <div style="line-height: 11.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:11pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font>
              <div> </div>
              <font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;">Appendix F</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:15pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;144&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_06125c5c-3ab7-4afb-ade5-b8b00ce02df7_5"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:648pt;">
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="z2a487ed568ea405aa7a8972c07de283d" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:15.5pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:73.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">ISSUE STATE</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">FEATURE AND BENEFITS</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">VARIATION</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:51pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Pennsylvania </font></div>
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">(continued)</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Income Multiplier Benefit</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See section 10</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">The requirement to begin confinement after the first
                            Contract Anniversary in </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">an eligible facility (a hospital, nursing facility, or
                            assisted living facility) is at </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">least 90 days provided each day of confinement is no more
                            than 6 months </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">after the previous day of confinement.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:87pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:4pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Texas</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Assignments, Changes of </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Ownership and Other </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transfers of Contract Rights</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See section 2</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">We cannot restrict assignments or changes
                            of ownership.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;We do not change the Determining Life (Lives) following an assignment or </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">ownership change. If you assign the Contract and the
                            Determining Life </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">(Lives) are no longer an Owner (or Annuitant if the Owner
                            is a </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">non-individual) the Traditional Death Benefit or Maximum
                            Anniversary </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Value Death Benefit may not be available and on the Owner&#8217;s
                            death the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Beneficiary(s) will only receive the Contract Value.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:39pt;">
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Access to Your Money</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See section 7</font></div>
                      </div>
                    </td>
                    <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">We only treat a partial withdrawal that reduces the Contract
                            Value below </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">$2,000 as a full withdrawal if you have not made an
                            additional Purchase </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Payment in the past two calendar years.</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:85.5pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:73.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Wisconsin</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:132pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Assignments, Changes of </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Ownership and Other </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transfers of Contract Rights</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 5.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">See section 2</font></div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:288.5pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">We cannot restrict assignments or changes
                            of ownership.</font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#8226;&#8194;We do not change the Determining Life (Lives) following an assignment or </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">ownership change. If you assign the Contract and the
                            Determining Life </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">(Lives) are no longer an Owner (or Annuitant if the Owner
                            is a </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">non-individual) the Traditional Death Benefit or Maximum
                            Anniversary </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Value Death Benefit may not be available and on the Owner&#8217;s
                            death the </font></div>
                        <div style="margin-left: 5.75pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:7.34pt;">Beneficiary(s) will only receive the Contract Value.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:1.0pt;text-align:left;"> </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:26pt;width:494pt;min-height:13pt;">
            <div style="line-height: 11.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:11pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font>
              <div> </div>
              <font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;">Appendix F</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:15pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;145&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
    <div>
      <div><a name="xx_87e041f9-c041-4800-830a-23d0a3869de6_1"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:648pt;">
            <div style="line-height:13.0pt;margin-top:9pt;text-align:left;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 0pt; top: -2pt; width: 494pt;"><font style="color: #000000; font-size: 11pt; text-transform: uppercase;">Appendix G &#8211; Fund
                Available Under the Contract</font></div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The following includes information about the Fund available under the Contract. More information about the Fund is available in the Fund's prospectus, which may be amended from time to time and can be found online at www.allianzlife.com/variableoptions. You can also request this information at no cost by calling (800) 624-0197, or by sending an email request to contact.us@allianzlife.com.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The current expenses and performance information below reflects fees and expenses of the Fund, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. The Fund's past performance is not necessarily an indication of future performance.</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" id="zafc3291804f0428bb89314207ac31c10" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;">

                  <tr style="height:25pt;">
                    <td rowspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:154.5pt;">
                      <div style="line-height:10.0pt;text-align:left;">
                        <div style="margin-left:4pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Investment Objectives</font></div>
                      </div>
                    </td>
                    <td rowspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:133pt;">
                      <div style="line-height:10.0pt;text-align:left;">
                        <div style="margin-left:3.75pt;margin-right:3.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Fund Adviser/Subadviser</font></div>
                      </div>
                    </td>
                    <td rowspan="2" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:56pt;">
                      <div style="line-height:10.0pt;text-align:left;">
                        <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Current</font></div>
                        <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</font></div>
                      </div>
                    </td>
                    <td colspan="3" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:150.5pt;">
                      <div style="line-height:10.0pt;text-align:left;">
                        <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Average Annual Total Returns</font></div>
                        <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;">(as of December 31, 2023)</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:15pt;">
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;">
                      <div style="line-height:10.0pt;text-align:left;">
                        <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">1 Year</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50pt;">
                      <div style="line-height:10.0pt;text-align:left;">
                        <div style="margin-left:1.75pt;margin-right:1.75pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">5 Years</font></div>
                      </div>
                    </td>
                    <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:50.5pt;">
                      <div style="line-height:10.0pt;text-align:left;">
                        <div style="margin-left:1.75pt;margin-right:2pt;text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">10 Years</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:72pt;">
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:154.5pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Current income consistent with </font></div>
                        <div style="margin-left: 4pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">stability of principal</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;width:133pt;">
                      <div style="line-height:10pt;text-align:left;">
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">AZL</font><font style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.75pt;">&#174;</font><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">
                            Government Money </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Market Fund</font><font style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-3.75pt;">(1)</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;line-height:10pt;margin-left:0.0pt;">&#8195;</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Adviser: Allianz Investment </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Management LLC</font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Subadviser: BlackRock </font></div>
                        <div style="margin-left: 3.75pt; margin-right: 3.75pt; white-space: nowrap;"><font style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Advisors, LLC</font></div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:56pt;">
                      <div style="line-height:10pt;margin-left:4pt;margin-right:4pt;text-align:right;width:48pt;">
                        <div style="display:flex;margin:auto;width:27.51pt;">
                          <div style="display:flex;white-space:nowrap;width:27.51pt;"><font style="color:#000000;font-family:Arial;font-size:9pt;">0.87%</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
                      <div style="line-height:10pt;margin-left:4pt;margin-right:4pt;text-align:right;width:42pt;">
                        <div style="display:flex;margin:auto;width:27.51pt;">
                          <div style="display:flex;white-space:nowrap;width:27.51pt;"><font style="color:#000000;font-family:Arial;font-size:9pt;">4.28%</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50pt;">
                      <div style="line-height:10pt;margin-left:4pt;margin-right:4pt;text-align:right;width:42pt;">
                        <div style="display:flex;margin:auto;width:27.51pt;">
                          <div style="display:flex;white-space:nowrap;width:27.51pt;"><font style="color:#000000;font-family:Arial;font-size:9pt;">1.32%</font></div>
                        </div>
                      </div>
                    </td>
                    <td style="padding-bottom:2pt;padding-top:2.375pt;vertical-align:Top;white-space:nowrap;width:50.5pt;">
                      <div style="line-height:10pt;margin-left:4pt;margin-right:2pt;text-align:right;width:42pt;">
                        <div style="display:flex;margin:auto;width:27.51pt;">
                          <div style="display:flex;white-space:nowrap;width:27.51pt;"><font style="color:#000000;font-family:Arial;font-size:9pt;">0.77%</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div>
              <div style="clear:both;margin-top:9pt;position:relative;width:100%;">
                <div style="float:left;line-height:7pt;text-align:left;width:6.99pt;"><font style="color:#000000;font-family:Times New Roman;font-size:5pt;position:relative;top:-3.25pt;">(1)</font></div>
                <div style="float:left;line-height:10pt;margin-left:9.01pt;text-align:left;width:473.00pt;"><font style="color:#000000;font-family:Times New Roman;font-size:8pt;">The AZL</font><font style="color:#000000;font-family:Times New Roman;font-size:4.5pt;font-weight:bold;position:relative;top:-5.5pt;">&#174;</font><font style="color:#000000;font-family:Times New Roman;font-size:8pt;"> Government Money Market Fund&#8217;s annual expenses reflect a temporary fee reduction.
                    Please see the AZL</font><font style="color:#000000;font-family:Times New Roman;font-size:4.5pt;font-weight:bold;position:relative;top:-5.5pt;">&#174;</font><font style="color:#000000;font-family:Times New Roman;font-size:8pt;"> Government
                    Money Market Fund&#8217;s prospectus for information regarding the expense reimbursement or fee waiver arrangement.</font></div>
              </div>
              <div style="clear:both;position:relative;"> </div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:26pt;width:494pt;min-height:13pt;">
            <div style="line-height: 11.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:11pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font>
              <div> </div>
              <font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;">Appendix G</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:15pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;146&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
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      <div><a name="xx_aa7b30cb-602f-472d-abe4-39ffcf276be5_1"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:648pt;">
            <div style="line-height:13.0pt;margin-top:9pt;text-align:left;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 0pt; top: -2pt; width: 494pt;"><font style="color: #000000; font-size: 11pt; text-transform: uppercase;">Appendix H &#8211;
                Selected Financial Data and Statutory Financial Statements</font></div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations (For the 12 month period ending December 31, 2023)</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman; font-style: italic;">The following discussion of our financial condition and results of operations should be read in conjunction with our statutory financial statements and notes to those statements included in this Appendix. The discussion and analysis in this Appendix includes certain forward-looking statements that are subject to risks, uncertainties and other factors, as described in &#8220;Risk Factors&#8221; and elsewhere in this prospectus, that could cause our actual growth, results of operations, performance, financial position and business prospects and opportunities in 2024 and beyond to differ materially from those expressed in, or implied by, those forward-looking statements. See &#8220;Forward-Looking Statements.&#8221;</font><font style="color: #000000; font-family: Times New Roman; line-height: 12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; text-transform: uppercase;">Statutory Financial Statements as of December 31, 2023</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color: #000000; font-family: Times New Roman;">The statutory financial statements of Allianz Life Insurance Company of North America as of December 31, 2023 and 2022 and for each of the three years in the period ended December 31, 2023 included in this Appendix H have been so included in reliance on the report of PricewaterhouseCoopers LLP, an independent registered public accounting firm, given on the
                  authority of said firm as experts in auditing and accounting. The principal business address of PricewaterhouseCoopers LLP is 45 South Seventh Street, Suite
                  3400, Minneapolis, MN.</font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:26pt;width:494pt;min-height:13pt;">
            <div style="line-height: 11.0pt;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt; margin-left: 0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:11pt;position:relative;top:-7pt;">&#174;</font><font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font>
              <div> </div>
              <font style="color: #000000; font-family: Arial Narrow; font-weight: bold; line-height: 11pt;">Appendix H</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:15pt;width:494pt;min-height:10pt;">
            <div style="line-height: 12.0pt;"><font style="color: #000000; font-size: 9pt; font-weight: bold; line-height: 12pt; margin-left: 0%;">&#8201;147&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
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    <div>
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        <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
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      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
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  <div style="line-height: 11.4pt;">
    <div style="min-height:45pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="text-align:center">
        <table id="z44ce1fff05684e14856e691171cfcbdc" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.245%">

            <tr>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:32.233%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:32.233%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
              <td style="width:1.0%"><br>
              </td>
              <td style="width:32.234%"><br>
              </td>
              <td style="width:0.1%"><br>
              </td>
            </tr>
            <tr>
              <td style="border-bottom:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
              <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Part I</font></td>
              <td style="border-bottom:1pt solid #000000;padding:0 1pt" colspan="3"><br>
              </td>
            </tr>

        </table>
      </div>
    </div>
    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font></div>
    <div><br>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item&#160;11(f).</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Selected Financial Data</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">(dollars in millions, unless otherwise stated)</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table sets forth the Company&#8217;s selected historical
        financial data. The selected financial data has been derived from the Statutory Financial Statements included elsewhere in this prospectus, and should be read in conjunction with &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and
        Results of Operations&#8221; and the Company&#8217;s audited Statutory Financial Statements. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">These historical results are not necessarily indicative of results to
        be expected for any future period. </font></div>
    <div style="margin-bottom:6pt;margin-top:11pt">
      <table id="z48d927fdb3a44ecd8e7dc65ac31ff905" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:31.786%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.544%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.400%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.841%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.400%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.544%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.400%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.841%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.400%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.841%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.403%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="27"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Year ended December 31, </font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Selected income data</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Premium and annuity considerations*</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">17,633&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">14,427&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">14,291&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10,542&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">13,029&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net investment income</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,822&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,544&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,866&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,864&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,839&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Ceded reinsurance
                reserve and expense adjustments</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,535)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(545)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">639&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(45)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">329&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Fees from separate accounts</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">436&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">488&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">574&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">567&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">613&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other income</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">248&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(503)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(32)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">694&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(13)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total income</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">21,604&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18,411&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">20,338&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,622&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18,797&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Policyholder benefits
                and surrenders</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">12,444&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,499&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10,876&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10,343&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10,368&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Change in aggregate reserves</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,482&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,113&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,316&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,465&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,034&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">General and
                administrative and commission</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,682&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,236&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,195&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,739&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,878&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net transfers to separate accounts</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">834&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,732&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,424&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,460&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,254&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total benefits
                and other expenses</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19,442&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">15,580&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19,811&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,007&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18,534&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Income tax expense (benefit)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">574&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,091&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">773&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net realized capital
                (loss) gain</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(797)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,986)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,856&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">142&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,053&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net income</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">791&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">847&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,292&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">739&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">543&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Capital and Surplus:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Change in unrealized capital gain (loss)</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">522&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(516)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(142)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(61)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">719&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Dividends to parent</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(500)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(4,100)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(900)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(750)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(325)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other change in capital &amp; surplus</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(294)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(421)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,794&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(220)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">441&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 16pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net change in
                capital &amp; surplus</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">519&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(4,190)</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,044&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(292)</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,378&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="33"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">*Includes premiums and
                annuity and supplementary contract considerations.</font></td>
          </tr>

      </table>
    </div>
    <div>
      <table id="z14bf0b80a5da459fa3c80551eafb0b23" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:32.035%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.542%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.381%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.840%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.232%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.542%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.381%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.840%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.381%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.840%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.386%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#160;</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="27"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">As of December 31, </font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Selected balance sheet
                data</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2020</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2019</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total cash and invested assets</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">121,141&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">115,664&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">122,829&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">125,229&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">121,870&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Investment income due
                and accrued</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,471&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,273&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">947&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,040&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,031&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other admitted assets</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,473&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,684&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,480&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,218&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">945&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate account assets</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">52,781&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">43,502&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">48,279&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">45,901&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">34,638&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                admitted assets</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">177,866&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">162,123&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">173,535&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">173,388&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">158,484&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total policyholder
                liabilities</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">107,892&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">105,368&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">103,933&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">109,353&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">107,098&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other liabilities</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10,159&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,738&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10,618&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10,473&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,794&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate account
                liabilities</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">52,781&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">43,502&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">48,279&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">45,901&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">34,638&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                liabilities</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">170,832&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">155,608&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">162,830&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">165,727&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">150,530&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total capital
                and surplus</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,034&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,515&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10,705&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,661&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
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            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,954&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="height:63pt;position:relative;width:100%">
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        <div style="margin-top:3pt;text-align:center"><br>
        </div>
        <div style="margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)</font></div>
        <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 1 of 22</font></div>
      </div>
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      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item&#160;11(h).</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Management&#8217;s Discussion and Analysis of Financial Condition and
        Results of Operations</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following discussion and analysis provides an assessment by
        management of the Company&#8217;s financial condition as of December 31, 2023, compared with December&#160;31, 2022, and its results of operations for each of the three years ended December&#160;31, 2023, 2022, 2021, respectively. The information contained herein
        should be read in conjunction with the financial statements, notes, exhibits and schedules in the 2023 and 2022 Annual Statement and audited Statutory Financial Statements of the Company. Amounts are presented on a non-consolidated basis in
        accordance with Statutory Accounting Principles (SAP). </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Forward-looking Statements </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This report reviews the Company&#8217;s financial condition and results of
        operations. Where appropriate, factors that may affect future financial performance are also identified and discussed. Certain statements made in this report include &#8220;forward-looking statements&#8221; within the meaning of the Private Securities
        Litigation Reform Act of 1995. Forward- looking statements include any statement that may predict, forecast, indicate or imply future results, performance or achievements instead of historical facts, and may contain words like &#8220;believe&#8221;, &#8220;expect&#8221;,
        &#8220;estimate&#8221;, &#8220;project&#8221;, &#8220;budget&#8221;, &#8220;forecast&#8221;, &#8220;anticipate&#8221;, &#8220;plan&#8221;, &#8220;will&#8221;, &#8220;shall&#8221;, &#8220;may&#8221;, and other words, phrases or expressions with similar meaning. Forward-looking statements are subject to risks and uncertainties. Readers are cautioned not to
        place undue reliance on forward-looking statements as a prediction of actual results. The Company undertakes no obligation to update publicly or revise any forward-looking statements.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Company Overview</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Allianz Life is a wholly owned subsidiary of Allianz of America, Inc.
        (AZOA), which is a subsidiary of Allianz Europe, B.V.. Allianz Europe, B.V. is a wholly owned subsidiary of Allianz SE, the Company&#8217;s ultimate parent, which is incorporated in Munich, Germany. The Company is a life insurance company domiciled in
        the State of Minnesota and is licensed to sell insurance products in all U.S. states, except New York, several U.S. territories, and Canada. The Company offers a portfolio of individual fixed-indexed annuities, variable-indexed annuities, and
        individual ordinary fixed-indexed universal life (FIUL) products. The Company&#8217;s products are either sold through licensed independent agents contracted with a field marketing organization or insurance agency, or licensed registered representatives
        contracted with a broker/dealer. The Company also maintains a closed portfolio of fixed and variable annuities, individual and group long-term care (LTC) and group life, annuity and accident and health policies, and does not actively issue new
        policies related to these products. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has organized its principal operations into the following
        segments: Individual Annuities, Life, and Legacy.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Individual Annuities </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Individual Annuities segment provides tax-deferred investment
        growth and lifetime income opportunities for our customers through fixed, fixed-indexed, variable-indexed and variable products. The &#8220;fixed&#8221; and &#8220;variable&#8221; classifications describe whether we or the contractholders bear the investment risk of the
        assets supporting the contract. We are one of the largest sellers of fixed-indexed and variable-indexed products. Fixed and variable annuities provide for both asset accumulation and asset distribution needs. Our Individual Annuity products are
        sold through both independent distribution channels made up of agents and registered representatives.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Fixed annuities provide guarantees related to the preservation of
        principal and interest credited. In 2023, sales of our fixed-indexed annuity products were higher than the prior year due to impacts of increasing interest rates and strong sales for the Allianz ABC</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#174;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, Core Income
        7</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#174;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">
        Annuity and Essential Income 7</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#174;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Annuity products (the 2023 sales promotion) and a favorable market environment</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">due to a 2023 sales promotion. In 2022, sales of our
        fixed-indexed annuity products were higher than the prior year due to impacts of increasing interest rates and strong sales for the Allianz 222</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#174; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">due to a 2022 sales promotion.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Variable annuities allow the contractholder to make deposits into
        various investment options and also have unique product features that allow for guaranteed minimum income benefits, guaranteed minimum accumulation benefits, guaranteed minimum death benefits, and guaranteed minimum withdrawal benefits. The
        variable annuity products with guaranteed minimum benefits which provide a minimum return based on their initial deposit may be increased by additional deposits, bonus amounts, or other account crediting features. The income and accumulation
        benefits shift a portion of the investment risk from the contractholder back to the Company. </font></div>
    <div style="height:63pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-top:3pt;text-align:center"><br>
        </div>
        <div style="margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)</font></div>
        <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 2 of 22</font></div>
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    <div style="min-height:45pt;width:100%">
      <div><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company's variable annuity sales strategy is focused on
        variable-indexed annuity products, which combines a separate account option with a general account option that is similar to a fixed-indexed annuity. In 2023, sales of variable-indexed annuities were higher than the prior year due to stronger sales
        for the Index Advantage Income</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#174;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> product driven by the market environment. In 2022, sales of variable-indexed annuities were lower than the prior year due to weaker sales for the Index Advantage Income</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#174;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> product
        driven by the market environment. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company discontinued selling traditional variable annuities and
        fixed annuities and the business is in run-off, however, in-force contracts are material and thus reported within the Individual Annuities segment.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Life</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our life insurance products provide flexibility and control over a
        person&#8217;s assets, providing the assurance that the beneficiaries will be protected after the insured is gone and, in certain cases, to add cash value accumulation potential. The sales focus of our Life segment is our FIUL insurance products.
        Deposits are credited to an account maintained for the policyholder. Our individual life products are sold through independent distribution channels made up of agents and registered representatives. The Life business has continued to grow for the
        last several years and was driven by strong product proposition.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Legacy</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Legacy business consists of closed blocks of LTC and Special
        Markets products. The Special Markets products include individual and group annuity and life products, including universal life and term life insurance. Although Legacy products are part of the total results, the Company does not allocate
        additional resources to these areas other than to maintain the operational support to its current customers. The Company enters into reinsurance agreements to manage risk resulting from businesses we have chosen to exit. The performance of these
        product lines is not material enough to warrant discussion as separate operating segments.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Income and Expense Allocation</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We maintain segregated investment portfolios for the Company but do
        not maintain segregated portfolios for each segment. All net investment income and other Corporate income and expense activity is allocated to the segments. Assets are only monitored at the total Company level, and as such, asset disclosures by
        segment are not included herein. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Income and expense related to assets backing policyholder reserves are
        allocated to the segments based on policyholder statutory reserve levels. The results of our segments also reflect allocation of income and expense related to assets backing surplus. Income and expense related to assets backing surplus are
        allocated to the segments based on estimated required capital levels for each segment. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Basis of Presentation</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Statutory Financial Statements have been prepared in accordance
        with accounting practices prescribed or permitted by the Minnesota Department of Commerce (the&#160;Department). The Department recognizes statutory accounting practices prescribed or permitted by the state of Minnesota for determining and reporting the
        financial condition and results of operations of an insurance company and its solvency under Minnesota insurance law. The state of Minnesota has adopted the National Association of Insurance Commissioners (NAIC) </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Accounting Practices and Procedures Manual</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> as its prescribed basis of SAP, without significant modification. The Company has no material statutory accounting practices that differ from those of the Department or NAIC SAP.
        These practices differ in some respects from accounting principles generally accepted in the United States of America (U.S. GAAP). The effects of these differences, while not quantified, are presumed to be material to the Statutory Financial
        Statements.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The preparation of Statutory Financial Statements in conformity with
        NAIC SAP requires management to make certain estimates and assumptions that affect reported amounts of admitted assets and liabilities, including reporting or disclosure of contingent assets and liabilities as of December&#160;31, 2023, and 2022 and the
        reported amounts of revenues and expenses during the reporting period. Future events, including changes in mortality, morbidity, interest rates, capital markets, and asset valuations could cause actual results to differ from the estimates used
        within the Statutory Financial Statements. Such changes in estimates are recorded in the period they are determined.</font></div>
    <div style="height:63pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-top:3pt;text-align:center"><br>
        </div>
        <div style="margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)</font></div>
        <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 3 of 22</font></div>
      </div>
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      <div><br>
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    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Adoption of New Financial Accounting Standards </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Note 3 &#8211; &#8220;Accounting Changes and Correction of Errors&#8221; of the
        Company&#8217;s audited Statutory Financial Statements in this prospectus for information related to recent accounting pronouncements. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Application of Critical Accounting Policies</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our accounting policies require management to make interpretative and
        valuation judgments and to make estimates based upon assumptions that affect the amounts of assets, liabilities, revenues, and expenses reported in our Statutory Financial Statements. Because the use of assumptions and estimates inherently entails
        uncertainty, the effects of accounting policies under different conditions could produce results that are significantly different. A discussion of the presentation of the business factors that affect critical accounting policies can be found in
        Note 2 of the accompanying Statutory Financial Statements and are summarized below. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Accounting for Investments </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Investment valuation and presentation are determined to be in
        accordance with methods prescribed by the NAIC. See Note 5 and 6 of the audited Statutory Financial Statements for additional information regarding the portfolio and fair value of investments. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Aggregate Reserves for Life Policies and Annuity
        Contracts </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Notes 12 through 14 of the audited Statutory Financial Statements
        for additional information regarding our annuity and life actuarial reserves, deposit liabilities, and separate accounts.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Derivatives </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Notes 2 and 5 of the audited Statutory Financial Statements for
        additional information regarding our derivatives and hedging instruments. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Reinsurance </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Note 11 of the audited Statutory Financial Statements for
        additional information regarding reinsurance agreements we have entered into to manage insurance risk, as well as businesses we exited. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Income Taxes </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Note 9 of the audited Statutory Financial Statements for
        additional information regarding income tax estimates and assumptions. </font></div>
    <div style="height:63pt;position:relative;width:100%">
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        </div>
        <div style="margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)</font></div>
        <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 4 of 22</font></div>
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    <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Results of Operations</font></div>
    <div style="margin-bottom:6pt;margin-top:11pt;padding-left:2.25pt">
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            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.569%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.547%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.569%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.547%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.569%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.547%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.576%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                (decrease) and % change</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                (decrease) and % change</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2023 - 2022</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022 - 2021</font></td>
          </tr>
          <tr>
            <td style="background-color:#bfe4ff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Income:</font></td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Premium and annuity considerations*</font></td>
            <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,633&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,427&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,291&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,206&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22.2&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">136&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.0&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net investment
                income</font></td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,822&#160;</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,544&#160;</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,866&#160;</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">278&#160;</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.1&#160;</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(322)</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6.6)</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ceded reinsurance reserve and expense
                adjustments</font></td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,535)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(545)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">639&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(990)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(181.7)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,184)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(185.3)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fees from
                separate accounts</font></td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">436&#160;</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">488&#160;</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">574&#160;</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(52)</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(10.7)</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(86)</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(15.0)</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other income</font></td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">248&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(503)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(32)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">751&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">149.3&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(471)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,471.9)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 15.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total income</font></td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,604&#160;</font></td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,411&#160;</font></td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,338&#160;</font></td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,193&#160;</font></td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17.3&#160;</font></td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,927)</font></td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(9.5)</font></td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Benefits and other expenses:</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Policyholder
                benefits and surrenders</font></td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,444&#160;</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,499&#160;</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,876&#160;</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,945&#160;</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">46.4&#160;</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,377)</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(21.9)</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in aggregate reserves</font></td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,482&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,113&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,316&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">369&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11.9&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,203)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(27.9)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">General and
                administrative and commission</font></td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,682&#160;</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,236&#160;</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,195&#160;</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">446&#160;</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19.9&#160;</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">41&#160;</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.9&#160;</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net transfers to separate accounts</font></td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">834&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,732&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,424&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(898)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(51.8)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(692)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(28.5)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 15.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total
                benefits and other expenses</font></td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,442&#160;</font></td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,580&#160;</font></td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,811&#160;</font></td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,862&#160;</font></td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24.8&#160;</font></td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,231)</font></td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(21.4)</font></td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 15.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Pretax income (loss)</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,162&#160;</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,831&#160;</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">527&#160;</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(669)</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(23.6)</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,304&#160;</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">437.2&#160;</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income tax
                expense (benefit)</font></td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">574&#160;</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2)</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,091&#160;</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">576&#160;</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">NM**</font></td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,093)</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">NM**</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net realized capital (loss) gain</font></td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(797)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,986)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,856&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,189&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">59.9&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,842)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(207.0)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 16pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income
                (loss)</font></td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">791&#160;</font></td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">847&#160;</font></td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,292&#160;</font></td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(56)</font></td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6.6)</font></td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(445)</font></td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(34.4)</font></td>
            <td style="background-color:#bfe4ff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Capital and Surplus:</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in
                unrealized capital gain (loss)</font></td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#bfe4ff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">522&#160;</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(516)</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(142)</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,038&#160;</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">201.2&#160;</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#bfe4ff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(374)</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(263.4)</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Dividends to parent</font></td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(500)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,100)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(900)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,600&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">87.8&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,200)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(355.6)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other change in
                capital &amp; surplus</font></td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(294)</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(421)</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,794&#160;</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">127&#160;</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">30.2&#160;</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,215)</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#bfe4ff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(115.1)</font></td>
            <td style="background-color:#bfe4ff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 16pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net change in capital &amp; surplus</font></td>
            <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">519&#160;</font></td>
            <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,190)</font></td>
            <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,044&#160;</font></td>
            <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,709&#160;</font></td>
            <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">112.4&#160;</font></td>
            <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(7,234)</font></td>
            <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(237.6)</font></td>
            <td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="42"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">*Includes premiums and annuity and
                supplementary contract considerations.</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="42">
              <div style="padding-left:3pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">**Not meaningful</font></div>
            </td>
          </tr>

      </table>
      <font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font></div>
    <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Year Ended December&#160;31, 2023</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Compared to</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Year Ended
        December&#160;31, 2022 </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Overview</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The increase in capital and surplus was primarily driven by spread
        margin from Fixed-indexed annuities, impacts from positive equity markets, and a lower dividend payment to AZOA.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Income</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Premium and annuity considerations</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: Individual Annuities premium and annuity considerations increased primarily due to higher fixed-indexed annuity premium driven by competitive product features and the 2023 sales
        promotion. The Life segment increased as a result of an increase in first year and renewal premiums on Life Pro Plus Advantage</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#174;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> due to a growing block of business.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Net investment income:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Net investment income increased slightly due to growth in the fixed-indexed, and life blocks of business, and higher yielding assets.</font></div>
    <div style="padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:107%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:107%;padding-left:14.5pt">Ceded reinsurance reserve and expense adjustments:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:107%"> Ceded reinsurance reserve and expense adjustments increased primarily due to ceded Modco activity including reserves, investment income, option values and realized gains &amp;
        losses as a result of favorable market activity.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Fees from separate accounts</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: Fees from separate accounts decreased primarily due to lower separate account assets on the traditional variable annuity block of business due to a decline in the block of
        business as these products are no longer sold.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Other income: </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other income increased primarily due to derivative income on interest rate swaps that hedge variable annuities, primarily driven by a decrease in interest rates compared to 2022.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><br>
    </div>
    <div style="height:63pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-top:3pt;text-align:center"><br>
        </div>
        <div style="margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)</font></div>
        <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 5 of 22</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Benefits and Other Expenses</font></div>
    <div style="padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:107%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:107%;padding-left:14.5pt">Policyholder benefits and surrenders</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:107%">: Policyholder benefits and surrenders increased primarily due to increases in surrenders on fixed and variable annuity and the life lines of business, as well as increased death
        claim activity on the life line of business.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Change in aggregate reserves:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Change in aggregate reserves increased on the Life segment due to the Life Voluntary Reserve that was established in 2023 and higher index credits as a result of the positive
        equity market performance in 2023, partially offset by a decrease in reserves for surrenders. Change in aggregate reserves decreased on the Annuity segment due to a decrease in variable annuity reserves due to positive equity market movements,
        partially offset by an increase in fixed annuity reserves due to increases in premium as a result of the 2023 sales promotion. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">General and administrative and commission:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> General, administrative and commission expense increased due to an increase in commissions expense as a result of higher sales of fixed-indexed annuities. Expenses on the Life
        segment also increased due to an increase in first year and renewal commissions which is consistent with production.</font></div>
    <div style="padding-left:18pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:107%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:107%;padding-left:14.5pt">Net transfers to separate accounts: </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:107%">Net transfers to separate accounts is driven by new premium and offset by contractholder withdrawals, and decreased due to increased surrender benefits and withdrawals for variable
        annuity contracts.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Income tax expense (benefit)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: Income tax benefit was driven by derivative hedging impacts in the Individual Annuity and Life segments.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Net realized capital (loss) gain:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Net realized capital loss due to losses on derivatives hedging both fixed-indexed and variable-indexed annuity product liabilities as a result of an increase in equity markets,
        partially offset by gains on derivatives used to hedge Life product liabilities.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Capital and Surplus</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Change in unrealized capital gain (loss): </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Unrealized capital losses are primarily due to gains on derivatives used to hedge product liabilities in the Individual Annuities and Life segments.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Dividends to parent:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Dividends of $500 were paid to the parent in 2023.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Other change in capital and surplus: </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other change in capital and surplus was lower in 2023 due to an increase in deferred income taxes.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Year Ended December&#160;31, 2022 Compared to Year Ended December&#160;31, 2021
      </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Overview</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The decrease in capital and surplus was primarily driven by dividends
        paid to AZOA, net realized capital losses on derivatives, and a decrease in Other change in capital and surplus which is lower due to a large one-time gain on new reinsurance transactions in Q4 2021. These impacts were partially offset by decreases
        in policyholder benefits and surrenders due to the reinsurance transaction and a decrease in aggregate reserve change due to negative equity markets.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Income</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Premium and annuity considerations</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Premium and annuity
        considerations increased primarily due to higher fixed-indexed annuity premium driven by competitive product features and a 2022 sales promotion </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">for the Allianz 222</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#174; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">products. For the Life segment, premiums and annuity considerations</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> increased as a result of an increase in first year and renewal premiums </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">on Life Pro Plus Advantage</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#174;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> due to a growing block of business.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Net investment income:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Net investment income decreased primarily due to a decrease in fixed annuity invested assets as a result of a coinsurance transaction in Q4 2021, partially offset by an increase in
        the Life segment due to an increase in invested assets.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Ceded reinsurance reserve and expense adjustments:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Ceded reinsurance reserve and expense adjustments was negative primarily due to Modco ceded reserves and Modco ceded investment income,
        as well as a decrease in reinsurance deferred gain impacts in the Individual Annuities segment.</font></div>
    <div style="height:63pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-top:3pt;text-align:center"><br>
        </div>
        <div style="margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)</font></div>
        <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 6 of 22</font></div>
      </div>
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      <div><br>
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    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Fees




        from separate accounts</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Fees from separate accounts decreased primarily due to
        lower separate account assets on the traditional variable annuity block of business due to negative equity markets. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Other income:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Other income decreased primarily due to derivative income on interest rate swaps that hedge variable annuities, primarily driven by increasing interest rates, within the Individual
        Annuity segment.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Benefits and Other Expenses</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Policyholder benefits and surrenders</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: Policyholder benefits and surrenders decreased primarily due to decreases in surrenders within the Individual Annuity segment driven primarily by an increase in ceded benefits as
        a result of the reinsurance transaction in Q4 2021, partially offset by an increase in surrender and death claim activity in the Life segment.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Change in aggregate reserves:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Change in aggregate reserves decreased primarily due to a decrease in the Individual Annuities segment driven by a decrease in index crediting on fixed annuity, partially offset by
        an increase in variable annuity reserves; both due to equity market movements. The Life segment reserves also decreased due to lower index credits as a result of the negative equity market performance in 2022, partially offset by an increase in
        premiums. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">General and administrative and commission:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> General, administrative and commission expense increased slightly due to an increase in commissions expense as a result of higher premium from the sale of fixed-indexed annuities
        in the Individual Annuity segment.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Net transfers to separate accounts:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Net transfers to separate accounts is driven by new premium and offset by contractholder withdrawals, and decreased due to lower variable-indexed premium in the Individual
        Annuities segment.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Income tax expense (benefit)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: Income tax benefit was driven by relatively low taxable income driven by derivative hedging impacts in the Individual Annuity segment, further impacted by Low Income Housing Tax
        Credits.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Net realized capital (loss) gain:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Net realized capital loss due to losses on derivatives hedging both the fixed-indexed annuities and life products, partially offset by gains on derivatives hedging variable-indexed
        annuity product liabilities as a result of a decrease in equity markets.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Capital and Surplus</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Change in unrealized capital gain (loss):</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Unrealized capital losses are primarily due to losses on derivatives in the Individual Annuities segment and the Life segment.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Dividends to parent: </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Dividends of $4,100 were paid to the parent in 2022 as a result of the Q4 2021 reinsurance transaction.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Other change in capital and surplus:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Other change in capital and surplus was higher in 2021 due to the net deferred gain on the reinsurance agreements. Other unfavorable impacts in 2022 include a change in deferred
        income taxes as a result of negative hedging impacts.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:15.75pt"><br>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt"><br>
    </div>
    <div style="height:63pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-top:3pt;text-align:center"><br>
        </div>
        <div style="margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)</font></div>
        <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 7 of 22</font></div>
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    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Individual Annuities</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Segment Results of Operations</font></div>
    <div style="margin-bottom:6pt;margin-top:11pt">
      <table id="zaf1d859aea1547fb8d86f08db5268029" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

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            <td style="width:0.544%"><br>
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            <td style="width:7.382%"><br>
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            <td style="width:0.1%"><br>
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            <td style="width:0.544%"><br>
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            <td style="width:7.382%"><br>
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            <td style="width:0.544%"><br>
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            <td style="width:0.1%"><br>
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            <td style="width:1.0%"><br>
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            <td style="width:7.382%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
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            <td style="width:0.544%"><br>
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            <td style="width:1.0%"><br>
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            <td style="width:7.382%"><br>
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            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.544%"><br>
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            <td style="width:7.382%"><br>
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            <td style="width:0.1%"><br>
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            <td style="width:0.544%"><br>
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            <td style="width:7.384%"><br>
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          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                (decrease) and % change</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                (decrease) and % change</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2023 - 2022</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022 - 2021</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Income:</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Premium and annuity considerations*</font></td>
            <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,906&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,811&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12,766&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,095&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24.2&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">45&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.4&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net investment
                income</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,289&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,056&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,467&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">233&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.7&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(411)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(9.2)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ceded reinsurance reserve and expense
                adjustments</font></td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,554)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(531)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">656&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,023)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(192.7)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,187)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(180.9)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fees from
                separate accounts</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">436&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">488&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">574&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(52)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(10.7)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(86)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(15.0)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other income</font></td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">239&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(501)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(37)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">740&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">147.7&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(464)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,254.1)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 15.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total income</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,316&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,323&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,426&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,993&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18.3&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,103)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(11.4)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Benefits and other expenses:</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Policyholder
                benefits and surrenders</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,993&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,150&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10,584&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,843&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">47.2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,434)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(23.0)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in aggregate reserves</font></td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,865&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,024&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,789&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(159)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(7.9)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(765)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(27.4)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">General and
                administrative and commission</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,207&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,827&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,756&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">380&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20.8&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">71&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.0&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net transfers to separate accounts</font></td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">836&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,734&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,426&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(898)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(51.8)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(692)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(28.5)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 15.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total
                benefits and other expenses</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,901&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13,735&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17,555&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,166&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">23.1&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,820)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(21.8)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 15.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Pretax income</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,415&#160;</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,588&#160;</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">871&#160;</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(173)</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6.7)</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,717&#160;</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">197.1&#160;</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income tax
                expense (benefit)</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">641&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,802&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">643&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">NM**</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,804)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">NM**</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net realized capital (loss) gain</font></td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(839)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,701)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,519&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">862&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">50.7&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,220)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(212.0)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 16pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net income
                (loss)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">935&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">889&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">588&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">46&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.2&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">301&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">51.2&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Capital and Surplus:</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in
                unrealized capital gain (loss)</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">346&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(423)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(125)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">769&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">181.8&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(298)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(238.4)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other change in capital &amp; surplus</font></td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(336)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(400)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,792&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">64&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16.0&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,192)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(114.3)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 16pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net change in
                capital &amp; surplus</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">945&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">66&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,255&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">879&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,331.8&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,189)</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(98.0)</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="42"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">*Includes premiums and annuity and
                supplementary contract considerations.</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="42">
              <div style="padding-left:3pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">**Not meaningful</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Selected Operating Performance Measures</font></div>
    <div style="margin-bottom:6pt;margin-top:11pt">
      <table id="z613f616d9463418093445a1bb06584e1" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.809%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:22.996%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.743%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.553%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.743%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.553%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.743%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.553%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.743%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.553%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.484%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.553%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.743%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.553%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.487%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                (decrease) and % change</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                (decrease) and % change</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2023 - 2022</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022 - 2021</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Individual Annuities</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 15.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deposits</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,986&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13,439&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13,226&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,547&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26.4&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">213&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 15.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">In-force</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">146,794&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">139,294&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">141,131&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,500&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,837)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1.3)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Deposits and in-force amounts in the table above are for direct and
        assumed business. Deposits reflect amounts collected on both new and renewal business. In-force represents account values of the annuity contracts. In 2023, sales of our fixed-indexed annuity products were higher than the prior year due to the 2023
        sales promotion. In 2022, sales of our fixed-indexed annuity products were higher than the prior year due to impacts of increasing interest rates and strong sales for Allianz 222</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#174; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">due to a 2022 sales promotion.</font></div>
    <div style="height:63pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-top:3pt;text-align:center"><br>
        </div>
        <div style="margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)</font></div>
        <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 8 of 22</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Change in Key Market Factors</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our Individual Annuities segment is impacted by various market impacts
        which are summarized below:</font></div>
    <div style="margin-bottom:6pt;margin-top:11pt;padding-left:2.25pt">
      <table id="z0058dd150f7b490cb7c7810598fbf4e1" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.107%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:26.677%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.713%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.550%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.713%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.550%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.713%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.550%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.713%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.550%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.871%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="15">
              <div style="margin-bottom:2pt;padding-left:2.25pt;padding-right:2.25pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="9">
              <div style="margin-bottom:2pt;padding-left:2.25pt;padding-right:2.25pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% change</font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023 - 2022</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022 - 2021</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="margin-bottom:2pt;padding-left:2.25pt;padding-right:2.25pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Stock Index</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="margin-bottom:2pt;padding-left:9pt;padding-right:2.25pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">S&amp;P 500</font></div>
            </td>
            <td style="padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">24.23%</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(19.44)%</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">26.89%</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">43.67%</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(46.33)%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="margin-bottom:2pt;padding-left:9pt;padding-right:2.25pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">NASDAQ 100</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">53.81%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(32.97)%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">26.63%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">86.78%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(59.60)%</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:top" colspan="3">
              <div style="margin-bottom:2pt;padding-left:9pt;padding-right:2.25pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">BUDBI</font></div>
            </td>
            <td style="padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7.97%</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(13.57)%</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6.35%</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">21.54%</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(19.92)%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="margin-bottom:2pt;padding-left:9pt;padding-right:2.25pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">BUDBI II</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6.81%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(10.80)%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4.60%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">17.61%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(15.40)%</font></td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:2.25pt">
      <table id="za27d854bd2fc49ab9ab649d0c08aee76" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.107%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:26.677%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.713%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.550%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.713%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.550%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.713%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.550%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.713%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.550%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.871%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="15">
              <div style="margin-bottom:2pt;padding-left:2.25pt;padding-right:2.25pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">As of December&#160;31,</font></div>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="9">
              <div style="margin-bottom:2pt;padding-left:2.25pt;padding-right:2.25pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Basis&#160;point&#160;(bps)&#160;change</font></div>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023 - 2022</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022 - 2021</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="margin-bottom:2pt;padding-left:2.25pt;padding-right:2.25pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Interest Rates</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 10pt;text-align:left;vertical-align:top" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Swap rate - 10 year</font></td>
            <td style="padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3.48%</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3.84%</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.58%</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(36bps)</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">226bps</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Swap rate - 20
                year</font></td>
            <td style="background-color:#cceeff;padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3.51%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3.74%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.76%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 2.12pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(23bps)</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">198bps</font></td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Year Ended December&#160;31, 2023</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Compared to</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Year Ended
        December&#160;31, 2022 </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Overview</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Individual Annuities segment net increase in capital and surplus
        was driven by spread margin from Fixed-indexed annuities, and impacts from positive equity markets.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Income</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Premium and annuity considerations</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: Premium and annuity considerations increased primarily due to higher fixed-indexed annuity premium driven by competitive product features and a 2023 sales promotion.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Net investment income: </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net investment income increased slightly due to growth in the fixed-indexed annuity block of business and higher yielding assets.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Ceded reinsurance reserve and expense adjustments:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Ceded reinsurance reserve and expense adjustments increased primarily due to ceded Modco activity including reserves, investment income,
        option values and realized gains &amp; losses as a result of favorable market activity.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Fees from separate accounts</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: Fees from separate accounts decreased primarily due to lower separate account assets on the traditional variable annuity block of business due to a decline in the block of
        business as these products are no longer sold.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Other income: </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other income increased primarily due to derivative income on interest rate swaps that hedge variable annuities, primarily driven by a decrease in interest rates compared to 2022.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Benefits and Other Expenses</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Policyholder benefits and surrenders</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: Policyholder benefits and surrenders increased primarily due to increases in surrenders on both the fixed and variable annuity lines of business.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Change in aggregate reserves:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Change in aggregate reserves decreased primarily due to a decrease in variable annuity reserves due to positive equity market movements, partially offset by an increase in fixed
        annuity reserves due to increases in premium as a result of the 2023 sales promotion.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">General and administrative and commission:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> General, administrative and commission expense increased due to an increase in commissions expense as a result of higher sales of fixed-indexed annuities.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Net transfers to separate accounts: </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net transfers to separate accounts is driven by new premium and offset by contractholder withdrawals, and decreased due to increased surrender benefits and withdrawals for variable
        annuity contracts.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Income tax expense (benefit)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: Income tax expense (benefit) is driven by the pre-tax items discussed above, and is allocated to operating segments based on the Company's effective rate.</font></div>
    <div style="height:63pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-top:3pt;text-align:center"><br>
        </div>
        <div style="margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)</font></div>
        <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 9 of 22</font></div>
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    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Net realized capital (loss) gain: </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net realized capital loss due to losses on derivatives hedging both fixed-indexed and variable-indexed annuity product liabilities as a result of an increase in equity markets.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Capital and Surplus</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Change in unrealized capital gain (loss): </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Unrealized capital gains are primarily due to gains on derivatives used to hedge product liabilities on fixed-indexed annuities, partially offset by losses on derivatives hedging
        variable-indexed annuities.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Other change in capital and surplus:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Other change in capital and surplus was higher in 2023 due to an increase in deferred income taxes.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Year Ended December&#160;31, 2022 Compared to</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Year Ended
        December&#160;31, 2021 </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Overview</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Individual Annuities segment net increase in capital and surplus
        was lower compared to the prior year due to one-time impacts of new reinsurance agreements in 2021 that covered certain fixed-indexed annuities, in addition to negative equity market impacts in 2022.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Income</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Premium and annuity considerations</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Premium and annuity
        considerations increased primarily due to higher fixed-indexed annuity premium driven by competitive product features and a 2022 sales promotion </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">for the Allianz 222</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#174; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">products.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Net Investment Income</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: Net investment income decreased primarily due to decreases in fixed annuity allocated investment income due to lower reserves as a result of a coinsurance transaction in Q4 2021.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Ceded reinsurance reserve and expense adjustments:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Ceded reinsurance reserve and expense adjustments was negative primarily due to Modco ceded reserves and Modco ceded investment income,
        as well as a decrease in reinsurance deferred gain impacts.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Fees from separate accounts</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: Fees from separate accounts decreased primarily due to lower separate account assets on the traditional variable annuity block of business due to negative equity markets. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Other income:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Other income decreased primarily due to derivative income on interest rate swaps that hedge variable annuities, primarily driven by increasing interest rates. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Benefits and Other Expenses</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Policyholder benefits and surrenders</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: Policyholder benefits and surrenders decreased primarily due to decreases in surrenders on both the fixed and variable annuity lines of business as well as decreases in death
        claims and annuitizations on the fixed annuity line of business. The fixed annuity decreases are also driven primarily by an increase in ceded benefits as a result of the reinsurance transaction in Q4 2021.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Change in aggregate reserves:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Change in aggregate reserves decreased primarily due to a decrease in fixed reserves due to a decrease in index crediting, partially offset by an increase in variable annuity
        reserves; both due to negative equity market movements.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">General and administrative and commission:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> General, administrative and commission expense increased due to an increase in commissions expense as a result of higher sales of fixed-indexed annuities.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Net transfers to separate accounts: </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net transfers to separate accounts is driven by new premium and offset by contractholder withdrawals, and decreased due to lower variable-indexed premium.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Income tax expense (benefit)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: Income tax expense (benefit) is driven by the pre-tax items discussed above, and is allocated to operating segments based on the Company's effective rate.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Net realized capital (loss) gain: </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net realized capital loss due to losses on derivatives hedging fixed-indexed annuities, partially offset by gains on derivatives hedging variable-indexed annuity product liabilities
        as a result of a decrease in equity markets.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Capital and Surplus</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Change in unrealized capital gain (loss): </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Unrealized capital losses are primarily due to losses on derivatives used to hedge product liabilities on fixed-indexed annuities, partially offset by gains on derivatives hedging
        variable-indexed annuities.</font></div>
    <div style="height:63pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-top:3pt;text-align:center"><br>
        </div>
        <div style="margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)</font></div>
        <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 10 of 22</font></div>
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    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Other change in capital and surplus:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Other change in capital and surplus was higher in 2021 due to the net deferred gain on new reinsurance agreements. Other unfavorable impacts in 2022 include a change in deferred
        income taxes as a result of negative hedging impacts.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Life</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Segment Results of Operations</font></div>
    <div style="margin-bottom:6pt;margin-top:11pt">
      <table id="zb0a924b94bb043cba1bf00ee34bd3255" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

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            <td style="padding:0 1pt" colspan="3"><br>
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            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                (decrease) and % change</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
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            <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                (decrease) and % change</font></td>
          </tr>
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            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2023 - 2022</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022 - 2021</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Income:</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Premium and annuity considerations</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,549&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,447&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,363&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">102&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.0&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">84&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6.2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net investment
                income</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">369&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">328&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">259&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">41&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12.5&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">69&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26.6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ceded reinsurance reserve and expense
                adjustments</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(21)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(23)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">34&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">161.9&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.7&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other income</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">700.0&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(133.3)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 15.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total income</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,937&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,753&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,602&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">184&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.5&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">151&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9.4&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Benefits and other
                expenses:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Policyholder benefits and surrenders</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">310&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">232&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">194&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">78&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">33.6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">38&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19.6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in
                aggregate reserves</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,340&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">869&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,216&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">471&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">54.2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(347)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(28.5)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">General and administrative and commission</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">420&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">389&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">386&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">31&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.0&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.8&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 15.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total
                benefits and other expenses</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,070&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,490&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,796&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">580&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">38.9&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(306)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(17.0)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 15.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Pretax income (loss)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(133)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">263&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(194)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(396)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(150.6)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">457&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">235.6&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income tax
                expense (benefit)</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(35)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(401)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(35)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">NM*</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">401&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net realized capital (loss) gain</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">41&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(297)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">337&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">338&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">113.8&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(634)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(188.1)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 16pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net (loss)
                income</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(57)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(34)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">544&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(23)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(67.6)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(578)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(106.3)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Capital and Surplus:</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in
                unrealized capital gain (loss)</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">167&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(95)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(9)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">262&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">275.8&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(86)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(955.6)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other change in capital &amp; surplus</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(14)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">85.7&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(15)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,500.0)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 16pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net change in
                capital &amp; surplus</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">108&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(143)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">536&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">251&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">175.5&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(679)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(126.7)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">*Not meaningful</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Selected Operating Performance Measures</font></div>
    <div style="margin-bottom:6pt;margin-top:11pt;padding-left:2.25pt">
      <table id="ze8c9b27e995946e4bbbd106e09ba40fe" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.553%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:34.774%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.420%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.547%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.420%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.547%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.420%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.547%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.420%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.547%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.420%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.547%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.420%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.547%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.424%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                (decrease) and % change</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                (decrease) and % change</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2023 - 2022</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022 - 2021</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Life</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 10.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">First year
                and renewal premiums</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,623&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,510&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,426&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">113&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7.5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">84&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.9&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 10.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">In-force</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">87,611&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">78,274&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">62,372&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,337&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11.9&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,902&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25.5&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">First year and renewal premiums and in-force amounts in the table
        above are for direct and assumed business. In-force amounts represent life insurance in-force on our FIUL business and certain universal life, and term life business. The continued increase in first year and renewal premiums in 2023, 2022 and 2021
        is a result of continued product enhancements and overall strong product proposition. The movement of in-force, year over year, is primarily driven by policyholder activity. Increases are driven by new business, and decreases are driven by
        policyholder charges, surrenders, and claims. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Year Ended December&#160;31, 2023</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Compared to</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Year Ended
        December&#160;31, 2022 </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Overview</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Life segment net change in capital and surplus increased primarily
        due to gains on derivatives, partially offset by higher aggregate reserve impacts driven by higher index credits due to favorable equity markets. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Income</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Premium and annuity considerations</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: Premiums and annuity considerations increased as a result of an increase in first year and renewal premiums on Life Pro Plus Advantage</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#174;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> due to a
        growing block of business.</font></div>
    <div style="height:63pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-top:3pt;text-align:center"><br>
        </div>
        <div style="margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)</font></div>
        <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 11 of 22</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Net investment income:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Net investment income increased primarily due to an increase in Life average invested assets.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Ceded reinsurance reserve and expense adjustments: </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Ceded reinsurance reserve and expense adjustments increased as a result of ceded modified coinsurance reserves on certain Life products.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Benefits and Other Expenses</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Policyholder benefits and surrenders</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: Policyholder benefits and surrenders increased primarily due to an increase in surrender and death claim activity on a growing block of business.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Change in aggregate reserves:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Change in aggregate reserves increased due to the Life Voluntary Reserve that was established in 2023 and higher index credits as a result of the positive equity market performance
        in 2023, partially offset by a decrease in reserves for surrenders.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">General and administrative and commission:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> General and administrative and commission expense increased due to an increase in first year and renewal commissions which is consistent with premium production, as well as an
        increase in allocated expenses.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Income tax expense (benefit)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: Income tax expense (benefit) is driven by the pre-tax items discussed above, and is allocated to operating segments based on the Company's effective rate.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Net realized capital (loss) gain: </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net realized capital gain increased due to gains on derivatives used to hedge Life product liabilities as a result of positive equity markets in 2023.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Capital and Surplus</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Change in unrealized capital gain (loss):</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Change in unrealized capital gain increased due to derivatives hedging the Life product liabilities as a result of positive equity markets in 2023.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Other change in capital and surplus: </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other change in capital and surplus has a limited impact on the Life Segment.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Year Ended December&#160;31, 2022 Compared to Year Ended December&#160;31, 2021
      </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Overview</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Life segment net change in capital and surplus decreased primarily
        due to tax impacts and capital losses on derivatives driven by negative equity markets, partially offset by lower aggregate reserve impacts driven by lower index credits.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Income</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Premium and annuity considerations</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Premiums and annuity
        considerations increased as a result of an increase in first year and renewal premiums </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">on Life Pro Plus Advantage</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:120%">&#174;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> due to a
        growing block of business.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Net investment income:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Net investment income increased primarily due to an increase in Life average invested assets.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Ceded reinsurance reserve and expense adjustments: </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Ceded reinsurance reserve and expense adjustments increased slightly as a result of ceded modified coinsurance reserves on certain Life
        products.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Benefits and Other Expenses</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Policyholder benefits and surrenders</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: Policyholder benefits and surrenders increased primarily due to an increase in surrender and death claim activity on a growing block of business.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Change in aggregate reserves:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Change in aggregate reserves decreased due to lower index credits as a result of the negative equity market performance in 2022, partially offset by an increase in premiums. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">General and administrative and commission:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> General and administrative and commission expense increased primarily due to an increase in allocated expenses.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Income tax expense (benefit)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Income tax expense (benefit) is driven by the pre-tax items discussed above, and is allocated to operating segments based on the
        Company's effective rate.</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Net




        realized capital (loss) gain: </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net realized capital loss increased due to losses on derivatives used to hedge Life product
        liabilities as a result of negative equity markets in 2022.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Capital and Surplus</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Change in unrealized capital gain (loss):</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Change in unrealized capital losses increased due to an increase in losses on derivatives hedging the Life product liabilities as a result of negative equity markets in 2022.</font></div>
    <div style="height:63pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-top:3pt;text-align:center"><br>
        </div>
        <div style="margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)</font></div>
        <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 12 of 22</font></div>
      </div>
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      <div><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Other change in capital and surplus: </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other change in capital and surplus has a limited impact on the Life Segment.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><br>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Legacy</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Segment Results of Operations</font></div>
    <div style="margin-bottom:6pt;margin-top:11pt;padding-left:2.25pt">
      <table id="ze489169a781d4cc1816d5331b428dddd" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.553%">

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          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                (decrease) and % change</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                (decrease) and % change</font></td>
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            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2023 - 2022</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022 - 2021</font></td>
          </tr>
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            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Income:</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
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            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
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          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Premium and annuity considerations</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">178&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">169&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">162&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5.3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net investment
                income</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">164&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">160&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">140&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.5&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14.3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ceded reinsurance reserve and expense
                adjustments</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(14.3)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16.7&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other income</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">400.0&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(150.0)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 15.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total income</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">351&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">335&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">310&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.8&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.1&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Benefits and
                other expenses:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Policyholder benefits and surrenders</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">141&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">117&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">98&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20.5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19.4&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in
                aggregate reserves</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">277&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">220&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">311&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">57&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">25.9&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(91)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(29.3)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">General and administrative and commission</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">55&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">52&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">35&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">175.0&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(32)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(61.5)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net transfers to
                separate accounts</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">50.0&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 15.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total benefits and other expenses</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">472&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">355&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">459&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">117&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">33.0&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(104)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(22.7)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 15.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Pretax (loss)
                income</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(121)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(20)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(149)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(101)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(505.0)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">129&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">86.6&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income tax expense (benefit)</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(32)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(310)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(32)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">NM*</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">310&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net realized
                capital gain (loss)</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(11)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(91.7)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 7pt 2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">NM*</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 16pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net (loss) income</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(88)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(8)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">161&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(80)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,000.0)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(169)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(105.0)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Capital and Surplus:</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in unrealized capital gain (loss)</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(8)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">200.0&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">137.5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other change in
                capital &amp; surplus</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">45&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(7)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">52&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">742.9&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(8)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(800.0)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 16pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net change in capital &amp; surplus</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(34)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(12)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">154&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(22)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(183.3)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(166)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(107.8)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">*Not meaningful</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Selected Operating Performance Measures</font></div>
    <div style="margin-bottom:6pt;margin-top:11pt">
      <table id="zc330a14c6b5040c3b4650151a9e4e76e" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:35.060%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.382%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.544%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.382%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.544%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.382%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.544%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.382%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.544%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.382%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.544%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.382%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.544%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                (decrease) and % change</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                (decrease) and % change</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2023 - 2022</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022 - 2021</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Legacy</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="margin-bottom:2pt;padding-left:20.25pt;padding-right:2.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Gross premiums written</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">277&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">266&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">258&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4.1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3.1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">In-force</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,248&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,421&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,611&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(173)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(7.1)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(190)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(7.3)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Gross premium written in the table above are for direct and assumed
        business. Gross premiums written reflect premiums collected on renewal business. There are no new premiums as these are closed blocks of business. Gross premiums written remained relatively consistent in 2023 and 2022 with small movements due to
        assumed premium and rate increases outpacing decrements within LTC products. In-force amounts represent gross life insurance within our Special Markets products. The continued decline in in-force volume is attributable to the Legacy segment being a
        closed block of business.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Year Ended December&#160;31, 2023</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Compared to</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Year Ended
        December&#160;31, 2022 </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Overview</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:144%">The Legacy segment unfavorable change in capital and surplus was
        driven by higher deficiency reserves and increases in policyholder benefits as well as general and administrative expenses.</font></div>
    <div style="height:63pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-top:3pt;text-align:center"><br>
        </div>
        <div style="margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)</font></div>
        <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 13 of 22</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Income</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Premium and annuity considerations:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Premium increased driven by assumed premium and policy rate increases outpacing decrements within LTC products.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Net investment income:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Net investment income increased driven by slight growth in LTC reserves on the aging block of business and higher allocated yields.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Benefits and Other Expenses</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Policyholder benefits and surrenders</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: Policyholder benefits and surrenders increased driven by higher paid claims on the LTC block business.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Change in aggregate reserves: </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Change in aggregate reserves increased driven by an increase in premium deficiency claim reserves in 2023, partially offset by a lower increase in active life reserves.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">General and administrative and commission:</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> General, administrative and commission expense increased due to an increase in TPA administrative expenses on LTC.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Income tax expense (benefit)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: Income tax expense (benefit) is driven by the pre-tax items discussed above, and is allocated to operating segments based on the Company's effective rate.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:144%">Capital and Surplus</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:144%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:144%;padding-left:14.5pt">Change in unrealized capital gain (losses): </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:144%">Change in unrealized capital gains increased driven by unrealized gains on credit default swaps.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:144%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:144%;padding-left:14.5pt">Other change in capital and surplus: </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:144%">Other change in capital and surplus was driven by a prior year error correction recorded in 2023.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Year Ended December&#160;31, 2022 Compared to Year Ended December&#160;31, 2021
      </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Overview</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:144%">The Legacy segment unfavorable change in capital and surplus was
        driven by decrease in tax benefit as compared to the prior year, partially offset by lower deficiency reserves.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Income</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Net investment income: </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net investment income increased driven by growth in LTC reserves and higher allocated yields.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Benefits and Other Expenses</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Policyholder benefits and surrenders</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: Policyholder benefits and surrenders increased driven by higher paid claims on the LTC block business.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Change in aggregate reserves: </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Change in aggregate reserves decreased driven by lower increase in LTC premium deficiency reserves in 2022.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%;padding-left:14.5pt">Income tax expense (benefit)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: Income tax expense (benefit) is driven by the pre-tax items discussed above, and is allocated to operating segments based on the Company's effective rate. </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:144%">Capital and Surplus</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:144%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:144%;padding-left:14.5pt">Change in unrealized capital gain (losses): </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:144%">Change in unrealized capital gains increased driven </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:144%">by unrealized gains on credit default swaps. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><br>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><br>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><br>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><br>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><br>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><br>
    </div>
    <div style="height:63pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-top:3pt;text-align:center"><br>
        </div>
        <div style="margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)</font></div>
        <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 14 of 22</font></div>
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      <div><br>
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    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Dividends</font></div>
    <div style="margin-bottom:6pt;margin-top:11pt">
      <table id="z8315e409d3484a19b03c53b95b6d79ea" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.107%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:22.924%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.110%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.550%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.110%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.550%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.110%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.550%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.110%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.550%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.110%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.550%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.110%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.550%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.116%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Year ended December&#160;31,</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                (decrease) and % change</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Increase
                (decrease) and % change</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2023 - 2022</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022 - 2021</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Capital and Surplus:</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 15.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Dividends to parent</font></td>
            <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(500)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,100)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(900)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,600&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12.2&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3,200)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(455.6)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We are required to meet minimum statutory capital and surplus
        requirements. Our statutory capital and surplus as of December&#160;31, 2023 and 2022, were in compliance with these requirements. The maximum amount of ordinary dividends that can be paid by Minnesota insurance companies to the stockholder without
        prior approval of the Department is subject to restrictions relating to statutory earned surplus, also known as unassigned funds. Unassigned funds are determined in accordance with the accounting procedures and practices governing preparation of
        the statutory annual statement. In accordance with Minnesota Statutes, the Company may declare and pay from its Unassigned surplus cash dividends of not more than the greater of 10% of its prior year-end statutory surplus, or the net gain from
        operations before net realized capital gain of the insurer for the 12-month period ending the 31st day of the next preceding year. Based on these limitations, ordinary dividends of $1,587 can be paid in 2024 without prior approval of the
        Commissioner of Commerce.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Financial Condition</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Investment Strategy</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our investment strategy focuses on
        diversification by asset class. We seek to achieve economic diversification, while limiting overall credit and liquidity risks. We attempt to mitigate these credit and liquidity risks by adhering to investment policies that provide portfolio
        diversification on an asset class, creditor, and industry basis, and by complying with investment limitations governed by state insurance laws and regulations, as applicable. We also consider all relevant objective information available in
        estimating the cash flows related to structured securities. We actively monitor and manage exposures, and determine whether any securities are impaired. The aggregate credit risk taken in the investment portfolio is influenced by our risk/return
        preferences, the economic and credit environment, and the ability to manage this risk through liability portfolio management. We also have an asset-liability management strategy to align cash flows and duration of the investment portfolio with
        contractholder liability cash flows and duration. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the investment portfolio at December&#160;31:</font></div>
    <div style="margin-bottom:6pt;margin-top:11pt;padding-left:2.25pt">
      <table id="zb2c24619863f441fa27142bb31acee5c" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.255%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:36.831%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.892%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.549%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.742%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.549%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.892%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.549%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.896%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Carrying value</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of total</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Carrying value</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of total</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">89,197&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">73.6&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">89,143&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">77.2&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Stocks</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">323&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">251&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Investment in
                subsidiaries</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,442&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,442&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Mortgage loans on real
                estate</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18,115&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">15.0&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">17,728&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">15.3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Real estate</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">92&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">82&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cash and cash
                equivalents</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,431&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.8&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,232&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.9&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Policy loans</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">509&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">309&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Derivative assets</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,278&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.7&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">973&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.8&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other invested assets</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,754&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3.9&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,504&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3.0&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total cash and
                invested assets</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">121,141&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">115,664&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Bonds</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Refer to Note 5 of the audited Statutory Financial Statements for
        information regarding the nature of our portfolio of bonds. The tables below presents the NAIC rating for the Company's bond portfolio at December&#160;31, 2023 and 2022. </font></div>
    <div style="height:63pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-top:3pt;text-align:center"><br>
        </div>
        <div style="margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)</font></div>
        <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 15 of 22</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div><br>
      </div>
    </div>
    <div style="margin-bottom:1pt;margin-top:6pt">
      <table id="zae31f25af1f64b0988cb6826ef86a723" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.851%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:37.052%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.803%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.545%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.803%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.545%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.803%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.545%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.804%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">NAIC Classes</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Fair Value</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized Cost</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">46,990&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">57.2&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">50,969&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">57.1&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">33,518&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">40.8&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">36,377&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">40.9&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Investment
                grade</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">80,508&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">98.0&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">87,346&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">98.0&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,349&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.6&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,434&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.6&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">304&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">348&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">33&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">40&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">29&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">29&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Below
                investment grade</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,715&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.0&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,851&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.0&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">82,223&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">89,197&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt">
      <table id="zaa90426aceee43828317405466d201ac" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.851%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:37.052%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.803%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.545%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.803%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.545%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.803%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.545%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.804%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">NAIC Classes</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Fair Value</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized Cost</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">43,251&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">55.3&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">48,893&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">54.8&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">33,223&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">42.4&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">38,251&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">43.0&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Investment
                grade</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">76,474&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">97.7&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">87,144&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">97.8&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,484&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.9&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,648&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.8&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">234&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">264&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">75&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">84&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Below
                investment grade</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,795&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.3&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,999&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.2&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">78,269&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">89,143&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Sub-prime and Alt-A Mortgage Exposure</font></div>
    <div style="text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Sub-prime lending is the origination of loans to customers with weaker credit profiles. Due to the high
        quality of our mortgage-backed securities, and the lack of sub-prime loans in the securities, we do not have a material exposure to sub-prime or Alt-A mortgages in those holdings. Alt-A loans are defined as any security backed by residential
        mortgage collateral which is not clearly identifiable as prime or sub-prime.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Commercial Mortgage-backed, Asset-backed, and
        Residential Mortgage-backed Securities</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Commercial mortgage-backed securities (CMBS) represent pools of
        commercial mortgages that are broadly diversified across property types and geographical areas. The following table summarizes our exposure to CMBS holdings by NAIC class and vintage year as of December&#160;31:</font></div>
    <div style="margin-bottom:6pt;margin-top:11pt">
      <table id="z73fac50b32054740a07238b437f09e81" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.553%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:18.780%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.399%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.547%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.399%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.547%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:18.780%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.399%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.547%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.402%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="24"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">NAIC Classes</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized Cost</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Vintage</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized Cost</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,084&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2023</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">209&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5.1&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2022</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">105&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2021</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">599&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">14.7&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2020</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">205&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5.0&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2019 and prior</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,969&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">72.6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,087&#160;</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,087&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="height:63pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-top:3pt;text-align:center"><br>
        </div>
        <div style="margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)</font></div>
        <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 16 of 22</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt">
      <table id="z9ae0957183be41bbb6f34639693aaf00" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.553%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:18.780%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.399%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.547%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.399%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.547%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:18.780%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.399%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.547%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.402%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="24"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">NAIC Classes</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized Cost</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Vintage</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized Cost</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,093&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2022</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">11&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.2&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2021</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">557&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10.9&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2020</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">208&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4.1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2019</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">955&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18.7&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2018 and prior</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,365&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">66.1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,096&#160;</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,096&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Asset backed security (ABS) holdings consist primarily of aircraft
        leases, credit card receivables and other asset-backed securities that meet specific criteria, such as credit quality, insurance requirements, or other limits. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes our exposure to other ABS holdings by
        NAIC class and vintage year as of December&#160;31: </font></div>
    <div style="margin-bottom:6pt;margin-top:11pt">
      <table id="zde2f72c9da8d461382d6baa2f75c448c" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.553%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:18.780%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.399%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.547%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.399%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.547%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:18.780%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.399%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.547%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.402%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="24"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">NAIC Classes</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized Cost</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Vintage</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized Cost</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,491&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">79.9&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2023</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,812&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">26.4&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,836&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">17.3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2022</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,271&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">21.4&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">145&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2021</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,219&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">30.3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">94&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.9&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2020</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">613&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5.8&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">30&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2019 and prior</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,707&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16.1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">26&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10,622&#160;</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10,622&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt">
      <table id="z1fe7dc9aeeb044eda6a385188536ec82" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.553%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:18.780%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.399%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.547%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.399%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.547%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:18.780%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.399%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.547%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.402%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="24"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">NAIC Classes</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized Cost</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Vintage</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized Cost</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,556&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">74.0&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2022</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,782&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">31.4&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,028&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22.9&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2021</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,476&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">39.2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">146&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2020</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">593&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6.7&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">50&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2019</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">519&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5.9&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">79&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.9&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2018 and prior</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,489&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16.8&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,859&#160;</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,859&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:1pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Non-agency residential mortgage-backed securities (NA RMBS) are backed by pools of
        residential mortgage loans made to non-prime borrowers, diversified across geographies.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes our exposure to NA RMBS holdings by
        NAIC class and vintage year as of December&#160;31:</font></div>
    <div style="margin-bottom:6pt;margin-top:11pt">
      <table id="z4835da3d890046ffa1878c6a1f10724d" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.553%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:18.780%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.399%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.547%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.399%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.547%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:18.780%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.399%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.547%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.402%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="24"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">NAIC Classes</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized Cost</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Vintage</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized Cost</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">141&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">84.4&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2023</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3.6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2022</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2021</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4.8&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2020</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5.4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2019 and prior</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">167&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">167&#160;</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">167&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="height:63pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-top:3pt;text-align:center"><br>
        </div>
        <div style="margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)</font></div>
        <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 17 of 22</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt">
      <table id="z6d23e77dc00140e784e126961ca87baf" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.553%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:18.780%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.399%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.547%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.399%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.547%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:18.780%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.399%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.547%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.402%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="24"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">NAIC Classes</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized Cost</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Vintage</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized Cost</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">170&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">87.6&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2022</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2021</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2020</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4.6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2019</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2018 and prior</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">194&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.0&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">194&#160;</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">194&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Unrealized investment losses on bonds, for investment grade (NAIC
        classes 1-2) and below investment grade (NAIC classes 3-6) securities by duration are as follows at December&#160;31: </font></div>
    <div style="margin-bottom:6pt;margin-top:11pt">
      <table id="zbe43dc5aa3c6445c8e3e22c22161bb02" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:41.138%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.780%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.546%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.780%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.546%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.780%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.546%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.784%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Investment Grade</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Below Investment
                Grade</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Twelve months or less
                below carrying value</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">154&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.9&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">More than twelve months
                below carrying value</font></td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,611&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">96.1&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">154&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.9&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,765&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">98.0&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">163&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.0&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt">
      <table id="zdf993333eace46509b4a8294689e13c3" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:41.138%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.780%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.546%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.780%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.546%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.780%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.546%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.784%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Investment Grade</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Below Investment
                Grade</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Twelve months or less
                below carrying value</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,543&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">75.6&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">102&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.9&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">More than twelve months
                below carrying value</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,548&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22.5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">114&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.0&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">11,091&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">98.1&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">216&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.9&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Note 5 of the audited Statutory Financial Statements for
        additional disclosures in regards to unrealized investment losses on bonds. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other-than-temporary impairments, by market sector, for impairments
        included in the Statutory Statements of Operations, were as follows at December&#160;31: </font></div>
    <div style="margin-bottom:6pt;margin-top:11pt">
      <table id="z6b86c29cfd0e4cea85aedd8c3bad4287" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:41.138%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.780%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.546%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.780%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.546%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.780%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.546%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.784%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Impairment</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">No. of Securities</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Impairment</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">No. of Securities</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Partnerships</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Commercial mortgage
                loans</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">46&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">48&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Corporate securities</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">73&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">46&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">84&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">58&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">121&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">52&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">132&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">60&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Refer to Note 6 of the audited Statutory Financial Statements for
        information regarding the fair value and fair value hierarchy level of our financial instruments. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Mortgage Loans on Real Estate</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Note 5 of the audited Statutory Financial Statements and Schedules
        for information regarding Mortgage Loans on Real Estate.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loan-to-value (LTV) and debt service coverage (DSC) ratios are common
        measurements used to assess the risk and quality of mortgage loans. The LTV ratio, calculated at the time of origination, is the percentage of the loan amount relative to the value of the underlying property. The DSC ratio, based upon the most
        recently received financial statements from the debtor, is calculated as the amount of the property&#8217;s net income divided by the debt service payments.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Note 5 of the audited Statutory Financial Statements for
        additional information relating to LTV and DSC ratios.</font></div>
    <div style="height:63pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-top:3pt;text-align:center"><br>
        </div>
        <div style="margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)</font></div>
        <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 18 of 22</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Properties collateralizing mortgage loans are geographically dispersed
        throughout the United States as follows at December&#160;31:</font></div>
    <div style="margin-bottom:6pt;margin-top:11pt">
      <table id="z6682cd3e09a94a2688b41bc02aa64737" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:31.885%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.362%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.546%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.825%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.546%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.362%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.546%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.828%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Gross Carry Value</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Gross Carry Value</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Commercial mortgage
                loans by region</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">East North
                Central</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,408&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8.6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,429&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9.0&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">East South
                Central</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">561&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3.4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">448&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2.8&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Middle
                Atlantic</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,384&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8.5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,303&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8.2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Mountain</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,849&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">11.4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,645&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10.4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">New England</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">603&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3.7&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">576&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3.6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Pacific</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,397&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">27.0&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,439&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">28.0&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">South
                Atlantic</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,518&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">21.6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,574&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22.5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">West North
                Central</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,045&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6.4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">984&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6.2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">West South
                Central</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,516&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9.3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,457&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9.2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 19.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                commercial mortgage loans</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,281&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">15,855&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify">
      <table id="z56f6a3a35d974585b6aae1c37a1b1a11" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:31.885%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.362%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.546%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.825%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.546%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.362%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.546%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.828%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Gross Carry Value</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Gross Carry Value</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Residential mortgage
                loans by region</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">East North
                Central</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">133&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7.2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">139&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7.4&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">East South
                Central</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">35&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.9&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">30&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Middle
                Atlantic</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">424&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">23.1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">441&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">23.5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Mountain</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">168&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9.2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">181&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9.7&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">New England</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">106&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5.8&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">115&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6.1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Pacific</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">584&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">31.8&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">587&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">31.3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">South
                Atlantic</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">266&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">14.5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">269&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">14.4&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">West North
                Central</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">11&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">12&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">West South
                Central</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">107&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5.8&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5.3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 19.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                residential mortgage loans</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,834&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,873&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Properties collateralizing commercial mortgage loans are diversified
        by property type as follows at December&#160;31:</font></div>
    <div style="margin-bottom:6pt;margin-top:11pt">
      <table id="z04ab050995954e189d407f4279ec7cc9" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.702%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:26.810%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.362%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.546%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.362%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.546%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.362%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.546%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.366%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Gross Carry Value</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Gross Carry Value</font></td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">% of Total</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Mortgage loans by
                property type</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Industrial</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,169&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19.5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,018&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19.0&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Retail</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,325&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">14.3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,480&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">15.6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Office</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,587&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">28.2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,748&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">29.9&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Apartments</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,200&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">38.0&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,609&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">35.5&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,281&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">15,855&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Liquidity and Capital Resources</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Overview</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s liquidity requirements are generally met through funds
        provided by investment income, receipt of insurance premiums, M&amp;E fees and benefit rider income, maturities and sales of investments, reinsurance recoveries, and capital contributions from Allianz SE, as needed.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has access to funding through securities lending under
        which the Company lends bonds and receives cash collateral and short term securities in an amount in excess of the fair value of the securities loaned. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is a member of the Federal Home Loan Bank (FHLB) of Des
        Moines, which provides access to collateralized borrowings.&#160;Funding from the FHLB is collateralized with bonds from the Company&#8217;s general account investment portfolio. </font></div>
    <div style="height:63pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-top:3pt;text-align:center"><br>
        </div>
        <div style="margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)</font></div>
        <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 19 of 22</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Reinsurance may play a key role in funding the Company&#8217;s continued
        growth, and may be utilized for any product for which there is significant uncertainty related to future claims experience. Moreover, the Company is generally risk adverse for its smaller lines of business, and predictability of future
        profitability takes precedence over retaining a large percentage of risk. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company does not utilize the capital markets as a source of
        capital. Should the need for capital arise, the Company may obtain capital contributions from Allianz SE as an alternative source of funding. If capital infusions are deemed necessary, the Company obtains prior approval by the Department, as
        appropriate.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The primary uses of funds are policy benefits, commissions, other
        product-related acquisition costs, investment purchases, operating expenses, and dividends to AZOA. The Company routinely reviews its sources and uses of funds in order to meet its ongoing obligations. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Financial Ratings and Strength</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Arial',sans-serif;font-size:9pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.85pt">Standard &amp; Poor&#8217;s&#160;&#160;&#160;&#160;AA (Very Strong)</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Moody&#8217;s&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Aa3 (Strong)</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">AM Best&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;A+ (Superior)</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Financial strength ratings are based upon an independent review of the
        Company, its ultimate parent (Allianz SE), subsidiaries, and the industry in which the Company operates. Each rating agency assigns ratings based on an independent review and takes into account a variety of factors to arrive at its final rating.
        Ratings are subject to change and there can be no assurance that the ratings afforded to the Company in the future will be consistent with historical ratings. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Cash Flows</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table sets forth information from our Statutory
        Statements of Cash Flows for the years ended December&#160;31:</font></div>
    <div style="margin-bottom:6pt;margin-top:11pt">
      <table id="zf28b8334f7bb4375b94736e7276fae71" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.107%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:56.407%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.563%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.550%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.113%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.550%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.263%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.554%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net cash provided by
                (used in) operating activities</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,311&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,205&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(4,241)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net cash (used in) provided by investing
                activities</font></td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2,644)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">24&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,538&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net cash (used in)
                provided by financing and miscellaneous activities</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(468)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(6,212)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,008&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net change in cash, cash equivalents,
                and short-term investments</font></td>
            <td style="border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,199&#160;</font></td>
            <td style="border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(983)</font></td>
            <td style="border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,305&#160;</font></td>
            <td style="border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:1pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have the funds necessary to meet the capital requirements of all
        states in which we do business, and to support our operations.</font></div>
    <div style="margin-bottom:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The decrease in net cash provided by operating activities in 2023 as compared to 2022
        is primarily due to an increase in benefits and loss-related payments as a result of higher surrender activity and commissions and expenses, partially offset by an increase in premiums. The increase in net cash provided by operating activities in
        2022 as compared to 2021 is primarily due to a decrease in benefits and loss-related payments as a result of ceded coinsurance reserves in 2021.</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">These impacts were partially offset by an increase in
        premiums, higher commission and expense allowances on reinsurance ceded, and continued growth in investment income due to higher invested assets driven by positive cash flows. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The increase in net cash used in investing activities in 2023 as
        compared to 2022 is driven by lower net bond sales, and a decrease in proceeds from hedging results driven by market impacts. The decrease in net cash provided by investing activities in 2022 as compared to 2021 is similarly driven by lower net
        bond sales, and a decrease in proceeds from hedging results driven by market impacts.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The decrease in net cash used in financing and miscellaneous
        activities in 2023 compared to 2022 is primarily driven by a decrease in dividends paid to AZOA. The increase in net cash used in financing and miscellaneous activities in 2022 compared to 2021 is primarily driven by an increase in dividends paid
        to AZOA.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Risk-Based Capital</font></div>
    <div style="height:63pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-top:3pt;text-align:center"><br>
        </div>
        <div style="margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)</font></div>
        <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 20 of 22</font></div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:45pt;width:100%">
      <div><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Note 17 of the audited Statutory Financial Statements for
        information regarding the Risk-Based Capital (RBC). The Company's RBC ratio significantly exceeds required minimum thresholds as of December&#160;31, 2023 and 2022. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Commitments &amp; Contingencies</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has guarantees to provide for the maintenance of certain
        subsidiary&#8217;s regulatory capital and surplus levels and has limited partnerships and private placement investments that require a commitment of capital. See Note 21 of the audited Statutory Financial Statements for information regarding commitments
        and contingencies.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has mortgage notes payable; see Note 7 of the audited
        Statutory Financial Statements for additional information.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has contractual obligations in the form of Policyholder
        liabilities; see Notes 12 through 14 of the audited Statutory Financial Statements for additional information regarding our annuity and life actuarial reserves, deposit liabilities, and separate accounts. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Off-Balance Sheet Arrangements</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company does not have any off-balance sheet transactions,
        arrangements or other relationships that management believes would be reasonably likely to have a material effect on the Company&#8217;s liquidity or capital position.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company utilizes derivatives for which the company is either
        required to settle variation margin or post collateral; see Note 5 of the audited Statutory Financial Statements for additional information regarding derivative collateral management.</font></div>
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        <div style="margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)</font></div>
        <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 21 of 22</font></div>
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    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item&#160;11(j).</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Quantitative and Qualitative Disclosures about Market Risk</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Market risk is the risk of the loss of fair value resulting from
        adverse changes in market rates and prices, such as interest rates and equity prices. Market risk is directly influenced by the volatility and liquidity in the markets in which the related underlying financial instruments are traded. Refer to Note
        4 of the audited Statutory Financial Statements for additional details on how we mitigate our market exposure risk and our overall risk management practices. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Sensitivity Analysis</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To assess the impact of changes in interest rate and equity markets,
        we perform sensitivity tests. Sensitivity tests measure the instantaneous impact of a single hypothetical interest rate or equity price change on our income, or fair value of an asset or liability, while holding all other rates or prices constant.
        To assess interest rate risk, we perform a sensitivity test which instantaneously shocks interest rates across all maturities by a hypothetical 50 bps. To assess equity risk, we perform a sensitivity test which instantaneously shocks all equity
        prices by a hypothetical 15%.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Interest Rate Risk</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">One means of assessing exposure to interest rate changes is to measure
        the potential change in the statutory value of an asset due to a hypothetical change in interest rates of 50 bps across all maturities. We noted that under this model, with all other factors remaining constant, a 50 bps increase in interest rates
        would cause our post-tax income to decrease by $13 as of December&#160;31, 2023.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We also examined the impact on post-tax income due to a hypothetical
        decrease in interest rates of 50 bps across all maturities. Under this model, with all other factors being constant, we estimated that such a decline would cause our post-tax income to decrease by $24 as of December&#160;31, 2023. Note that the impacts
        referenced reflect the net hedge impact and do not include any economic impact related to our fixed-income investment portfolio or economic changes in reserve calculations.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Equity Market Risk</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">One means of assessing exposure to changes in equity market prices is
        to estimate the potential changes in post-tax income from a hypothetical change in equity market prices of 15%. Under this model, with all other factors constant, we estimated that a decrease in equity market prices would cause our post-tax income
        to decrease by $160, while an increase in equity market prices would cause our post-tax income to increase by $90 based on our equity exposure as of December&#160;31, 2023. Note that the impacts referenced reflect the net hedge impact and do not include
        any economic impact related to our fixed-income investment portfolio or economic changes in reserve calculations.</font></div>
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        <div style="margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:144%">Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)</font></div>
        <div style="margin-bottom:3pt;margin-top:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Page 22 of 22</font></div>
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    <div style="margin-bottom:6pt;margin-top:237pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
    <div style="margin-bottom:6pt;margin-top:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:400;line-height:120%">Statutory Financial Statements</font></div>
    <div style="margin-bottom:6pt;margin-top:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:400;line-height:120%">December&#160;31, 2023 and 2022</font></div>
    <div style="margin-bottom:6pt;margin-top:12pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:400;line-height:120%">(With Report of Independent Auditors Thereon)</font></div>
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    <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:115%">Report of Independent Auditors</font></div>
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    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">To the Board of Directors of Allianz Life Insurance Company of North America</font></div>
    <div><br>
    </div>
    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%">Opinions</font></div>
    <div><br>
    </div>
    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:115%">We have audited the accompanying statutory financial statements of Allianz Life Insurance Company of North America (the
        "Company"), which comprise the statutory statements of admitted assets, liabilities and capital and surplus as of December 31, 2023 and 2022, and the related statutory statements of operations, of capital and surplus, and of cash flow for each of
        the three years in the period ended December 31, 2023, including the related notes (collectively referred to as the "financial statements").</font></div>
    <div><br>
    </div>
    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Unmodified Opinion on Statutory Basis of Accounting</font></div>
    <div><br>
    </div>
    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:115%">In our opinion, the accompanying financial statements present fairly, in all material respects, the admitted assets, liabilities
        and capital and surplus of the Company as of December 31, 2023 and 2022, and the results of its operations and its cash flows for each of the three years in the period ended December 31, 2023, in accordance with the accounting practices prescribed
        or permitted by the Minnesota Department of Commerce Insurance Division described in Note 2.</font></div>
    <div><br>
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    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Adverse Opinion on U.S. Generally Accepted Accounting Principles</font></div>
    <div><br>
    </div>
    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:115%">In our opinion, because of the significance of the matter discussed in the Basis for Adverse Opinion on U.S. Generally Accepted
        Accounting Principles section of our report, the accompanying financial statements do not present fairly, in accordance with accounting principles generally accepted in the United States of America, the financial position of the Company as of
        December 31, 2023 and 2022, or the results of its operations or its cash flows for each of the three years in the period ended December 31, 2023.</font></div>
    <div><br>
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    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%">Basis for Opinions</font></div>
    <div><br>
    </div>
    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:115%">We conducted our audit in accordance with auditing standards generally accepted in the United States of America (US GAAS). Our
        responsibilities under those standards are further described in the Auditors' Responsibilities for the Audit of the Financial Statements section of our report. We are required to be independent of the Company and to meet our other ethical
        responsibilities, in accordance with the relevant ethical requirements relating to our audit. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion.</font></div>
    <div><br>
    </div>
    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Basis for Adverse Opinion on U.S. Generally Accepted Accounting Principles</font></div>
    <div><br>
    </div>
    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">As described in Note 2 to the financial statements, the financial statements are prepared by the Company on the basis of the
        accounting practices prescribed or permitted by the Minnesota Department of Commerce Insurance Division, which is a basis of accounting other than accounting principles generally accepted in the United States of America.</font></div>
    <div><br>
    </div>
    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:115%">The effects on the financial statements of the variances between the statutory basis of accounting described in Note 2 and
        accounting principles generally accepted in the United States of America, although not reasonably determinable, are presumed to be material.</font></div>
    <div><br>
    </div>
    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%">Responsibilities of Management for the Financial Statements</font></div>
    <div><br>
    </div>
    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Management is responsible for the preparation and fair presentation of the financial statements in accordance with the accounting
        practices prescribed or permitted by the Minnesota Department of Commerce Insurance Division. Management is also responsible for the design, implementation, and maintenance of internal control relevant to the preparation and fair presentation of
        financial statements that are free from material misstatement, whether due to fraud or error.</font></div>
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        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 1 of 69</font></div>
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    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:115%">In preparing the financial statements, management is required to evaluate whether there are conditions or events, considered in
        the aggregate, that raise substantial doubt about the Company's ability to continue as a going concern for one year after the date the financial statements are available to be issued.</font></div>
    <div><br>
    </div>
    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:112%">Auditors' Responsibilities for the Audit of the Financial Statements</font></div>
    <div><br>
    </div>
    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:107%">Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material
        misstatement, whether due to fraud or error, and to issue an auditors' report that includes our opinion. Reasonable assurance is a high level of assurance but is not absolute assurance and therefore is not a guarantee that an audit conducted in
        accordance with US GAAS will always detect a material misstatement when it exists. The risk of not detecting a material misstatement resulting from fraud is higher than for one resulting from error, as fraud may involve collusion, forgery,
        intentional omissions, misrepresentations, or the override of internal control. Misstatements are considered material if there is a substantial likelihood that, individually or in the aggregate, they would influence the judgment made by a
        reasonable user based on the financial statements. </font></div>
    <div><br>
    </div>
    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">In performing an audit in accordance with US GAAS, we:</font></div>
    <div><br>
    </div>
    <div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:14.5pt">Exercise professional judgment and maintain professional skepticism throughout the audit.</font></div>
    <div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:14.5pt">Identify and assess the risks of material misstatement of the financial statements, whether due to fraud or error, and design and perform audit procedures
        responsive to those risks. Such procedures include examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements.</font></div>
    <div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:14.5pt">Obtain an understanding of internal control relevant to the audit in order to design audit procedures that are appropriate in the circumstances, but not for the
        purpose of expressing an opinion on the effectiveness of the Company's internal control. Accordingly, no such opinion is expressed.</font></div>
    <div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:14.5pt">Evaluate the appropriateness of accounting policies used and the reasonableness of significant accounting estimates made by management, as well as evaluate the
        overall presentation of the financial statements.</font></div>
    <div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:14.5pt">Conclude whether, in our judgment, there are conditions or events, considered in the aggregate, that raise substantial doubt about the Company's ability to
        continue as a going concern for a reasonable period of time.</font></div>
    <div><br>
    </div>
    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">We are required to communicate with those charged with governance regarding, among other matters, the planned scope and timing of
        the audit, significant audit findings, and certain internal control-related matters that we identified during the audit.</font></div>
    <div><br>
    </div>
    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">/s/PricewaterhouseCoopers LLP</font></div>
    <div><br>
    </div>
    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Minneapolis, Minnesota</font></div>
    <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">April 8, 2024</font></div>
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        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 2 of 69</font></div>
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      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus</font></div>
      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">December&#160;31, 2023 and 2022</font></div>
      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data)</font></div>
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            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
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          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cash and invested
                assets:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">89,197&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">89,143&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Stocks</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">323&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">251&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Investment
                in subsidiaries</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,442&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,442&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Mortgage
                loans on real estate</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18,115&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">17,728&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Real estate</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">92&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">82&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cash, cash
                equivalents and short-term investments</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,431&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,232&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Policy loans</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">509&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">309&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Derivative
                assets</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,278&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">973&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other
                invested assets</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,754&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,504&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total cash and
                invested assets</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">121,141&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">115,664&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Investment income due
                and accrued</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,471&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,273&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Current federal and
                foreign income tax recoverable</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">583&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">270&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deferred tax asset, net</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">564&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">379&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other assets</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,326&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,035&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Admitted
                assets, exclusive of separate account assets</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">125,085&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">118,621&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate account assets</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">52,781&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">43,502&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total admitted
                assets</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">177,866&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">162,123&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 37pt 2px 1pt;text-align:justify;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">See
                accompanying notes to statutory financial statements.</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt"><br>
    </div>
    <div style="height:54pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 3 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="text-align:center"><br>
      </div>
      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus</font></div>
      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">December&#160;31, 2023 and 2022</font></div>
      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data)</font></div>
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt">
      <table id="z1ff38e3c304a4968a662a76c469fc31b" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.851%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:57.767%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:4.414%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.336%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.545%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.338%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="6"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Liabilities and Capital and Surplus</font></td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Policyholder
                liabilities:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life
                policies and annuity contracts</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">91,114&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">98,386&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Accident and
                health policies</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,666&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,440&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deposit-type
                contracts</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,842&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,233&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life policy
                and contract claims</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">24&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Accident and
                health policy and contract claims</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">24&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Funds held
                under reinsurance treaties</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10,034&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">139&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other
                policyholder funds</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">188&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">138&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                policyholder liabilities</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">107,892&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">105,368&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Interest maintenance
                reserve</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">93&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">172&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">General expenses due and
                accrued</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">174&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">196&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Due from separate
                accounts</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,325)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(751)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Current income taxes
                payable</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">66&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">102&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Borrowed money</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,515&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,010&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Asset valuation reserve</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,442&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,266&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Derivative liabilities</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,835&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">747&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other liabilities</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,359&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,996&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Liabilities,
                exclusive of separate account liabilities</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">118,051&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">112,106&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate account
                liabilities</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">52,781&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">43,502&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                liabilities</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">170,832&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">155,608&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Capital and surplus:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Class A,
                Series A preferred stock, $1 par value. Authorized, issued, and outstanding, 8,909,195 shares; liquidation preference of $0 and $10 at December 31, 2023 and 2022, respectively</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Class A, Series B preferred stock, $1
                par value. Authorized, 10,000,000 shares; issued and outstanding, 9,994,289 shares; liquidation preference of $0 and $12 at December 31, 2023 and 2022, respectively</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Common
                stock, $1 par value. Authorized, 40,000,000 shares; issued and outstanding, 20,000,001 shares at December 31, 2023 and 2022, respectively</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">20&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">20&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Additional paid-in capital</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,676&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,676&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Special
                surplus funds</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(13)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(301)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Unassigned
                surplus</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,332&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,101&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total capital
                and surplus</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,034&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,515&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                liabilities and capital and surplus</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">177,866&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">162,123&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr style="height:12pt">
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">See accompanying notes
                to statutory financial statements.</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="height:54pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 4 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="text-align:center"><br>
      </div>
      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Statutory Statements of Operations</font></div>
      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Years ended December&#160;31, 2023, 2022, and 2021</font></div>
      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions)</font></div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt">
      <table id="z95248201a2364ea6a4a8de8b9cd9cbd6" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:49.792%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:2.776%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.780%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.544%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.780%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.544%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.784%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Income:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Premiums and
                annuity considerations</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">17,503&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">14,288&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">14,125&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Consideration




                for supplementary contracts</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">130&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">139&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">166&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                investment income</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,822&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,544&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,866&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Commissions
                and expense allowances on reinsurance ceded</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">736&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">649&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,093&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reserve
                adjustments related to reinsurance ceded</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2,271)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,194)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(454)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Fees from
                separate accounts</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">436&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">488&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">574&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">248&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(503)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(32)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total income</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">21,604&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18,411&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">20,338&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Benefits and other
                expenses:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Policyholder
                benefits</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,860&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,846&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,076&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Surrenders</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10,584&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,653&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,800&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Change in
                aggregate reserves and deposit funds</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,482&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,113&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,316&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Commissions
                and other agent compensation</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,820&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,539&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,480&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">General and
                administrative expenses</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">862&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">697&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">715&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                transfers to separate accounts</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">834&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,732&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,424&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total benefits
                and other expenses</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19,442&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">15,580&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19,811&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 46pt;text-align:left;text-indent:-9pt;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Income from operations before federal income taxes and net realized capital gain</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,162&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,831&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">527&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Income tax expense
                (benefit)</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">574&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,091&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 46pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net income
                (loss) from operations before net realized capital gain</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,588&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,833&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(564)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net realized
                capital (loss) gain, net of taxes and interest maintenance reserve</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(797)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,986)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,856&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net income</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">791&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">847&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,292&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr style="height:12pt">
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">See accompanying notes
                to statutory financial statements.</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt"><br>
    </div>
    <div style="height:54pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 5 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="text-align:center"><br>
      </div>
      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Statutory Statements of Capital and Surplus</font></div>
      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Years ended December&#160;31, 2023, 2022, and 2021</font></div>
      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions)</font></div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt">
      <table id="z94bf1dcf644d452e9761cad1c89d498d" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:51.648%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.434%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.610%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.542%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.610%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.542%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.614%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Capital and
                surplus at beginning of year</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,515&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10,705&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,661&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Change due to
                correction of accounting error (Note 3)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">34&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">40&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 1.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Adjusted
                balance at beginning of year</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,549&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10,705&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,701&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net income</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">791&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">847&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,292&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Change in
                unrealized capital gain (loss)</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">522&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(516)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(142)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Change in
                net deferred income tax</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">235&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">54&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">215&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Change in
                asset valuation reserve</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(176)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(118)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(165)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Dividends
                paid to parent</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(500)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(4,100)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(900)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Change in
                unamortized gain on reinsurance transactions</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(305)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(254)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,737&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other
                changes in capital and surplus</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(82)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(103)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(33)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Capital and
                surplus at end of year</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,034&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,515&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10,705&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr style="height:12pt">
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">See accompanying notes
                to statutory financial statements.</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt"><br>
    </div>
    <div style="height:54pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 6 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="text-align:center"><br>
      </div>
      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Statutory Statements of Cash Flow</font></div>
      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Years ended December&#160;31, 2023, 2022, and 2021</font></div>
      <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt">
      <table id="zcfbc93982432401fbf0550147d06c6cf" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.851%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:60.897%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.545%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.822%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.545%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.822%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.545%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.824%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash flow from operating
                activities:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Revenues:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Premiums and
                annuity considerations, net</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,681&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,427&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,291&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net
                investment income</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,663&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,352&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,069&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Commissions
                and expense allowances on reinsurance ceded</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">431&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">333&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">385&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fees from
                separate accounts</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">436&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">488&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">574&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">148&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">256&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash provided by
                operating activities</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21,220&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,748&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20,575&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Benefits and
                expenses paid:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Benefit and
                loss-related payments</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11,632&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,619&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,238&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net transfers
                to separate accounts</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,408&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,849&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,766&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Commissions,
                expenses paid, and aggregate write-ins for deductions</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,036&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,459&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,119&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Income tax
                paid, net</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">833&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">616&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">709&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(16)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash used in
                operating activities</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16,909&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,543&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24,816&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net cash
                provided by (used in) operating activities</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4,311&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,205&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,241)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash flow from investing
                activities:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Proceeds from
                investments sold, matured or repaid:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Bonds</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,591&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">19,619&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">30,622&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Stocks</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">144&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">98&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">282&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Mortgage
                loans</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">781&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,403&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,806&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Real estate</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other
                invested assets</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">157&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">154&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">81&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Derivatives</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,213&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Miscellaneous
                proceeds</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">264&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">893&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">35&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash provided by
                investing activities</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,938&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,172&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">34,042&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cost of
                investments acquired:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Bonds</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">14,777&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15,529&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24,350&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Stocks</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">219&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">107&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">292&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Mortgage
                loans</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,223&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,030&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,347&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Real estate</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other
                invested assets</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">956&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">549&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">408&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Derivatives</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">410&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,881&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Miscellaneous
                applications</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">785&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">78&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash used in
                investing activities</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18,382&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22,107&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">28,492&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net increase
                in policy loans and premium notes</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">200&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">41&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">12&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net cash (used
                in) provided by investing activities</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2,644)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5,538&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash flow from financing
                and miscellaneous activities:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in
                borrowed money</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">500&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">500&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Payments on
                deposit-type contracts and other insurance liabilities, net of deposits</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,135)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,203)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,264)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Dividends
                paid to parent</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(500)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4,100)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(900)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other cash
                provided (used)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">667&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(909)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,672&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net cash (used
                in) provided by financing and miscellaneous activities</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(468)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6,212)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,008&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net change in
                cash, cash equivalents, and short-term investments</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,199&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(983)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,305&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Cash, cash equivalents,
                and short-term investments:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Beginning of
                year</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,232&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,215&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">910&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">End of year</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,431&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,232&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3,215&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">See accompanying notes to
                statutory financial statements.</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="height:54pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 7 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(1)&#160;&#160;&#160;&#160;Organization and Nature of Operations</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Allianz Life Insurance Company of North America (the
        Company) is a wholly-owned subsidiary of Allianz of America, Inc. (AZOA or parent company), which is a wholly-owned subsidiary of Allianz Europe, B.V. Allianz Europe, B.V. is a wholly-owned subsidiary of Allianz SE. Allianz SE is a European company
        registered in Munich, Germany, and is the Company&#8217;s ultimate parent. The Company has a wholly-owned life insurance company subsidiary, Allianz Life Insurance Company of New York (AZNY). The Company also wholly owns a captive reinsurer, Allianz Life
        Insurance Company of Missouri (AZMO). </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is a life insurance company licensed to
        sell annuity, group and individual life, and group and individual accident and health policies in the United States, Canada, and several U.S.&#160;territories. Based on statutory net premium written, the Company's business is predominately annuity. The
        annuity business consists of fixed-indexed, variable-indexed, variable, and fixed annuities. The life business consists of both individual and group life. Life business includes products with guaranteed premiums and benefits and consists
        principally of fixed-indexed universal life (FIUL) policies and closed blocks of universal life policies, term insurance policies, and limited payment contracts. Accident and health business is primarily comprised of closed blocks of long-term care
        (LTC) insurance. The Company&#8217;s primary distribution channels are through independent agents, broker-dealers, banks, and third-party marketing organizations.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">After evaluating the Company&#8217;s ability to continue
        as a going concern, management is not aware of any conditions or events which raise substantial doubt concerning the Company&#8217;s ability to continue as a going concern as of the date of filing these Statutory Financial Statements. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(2)&#160;&#160;&#160;&#160;Summary of Significant Accounting Policies</font></div>
    <div style="margin-bottom:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Basis of Presentation</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Statutory Financial Statements have been
        prepared in accordance with accounting practices prescribed or permitted by the Minnesota Department of Commerce (the&#160;Department). The Department recognizes statutory accounting practices prescribed or permitted by the state of Minnesota for
        determining and reporting the financial condition and results of operations of an insurance company and its solvency under Minnesota insurance law. The state of Minnesota has adopted the National Association of Insurance Commissioners (NAIC) </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Accounting Practices and Procedures Manual</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> as its prescribed basis of statutory accounting principles (SAP), without significant modification. The Company has no material statutory accounting practices that differ from
        those of the Department or NAIC SAP. These practices differ in some respects from accounting principles generally accepted in the United States of America (U.S. GAAP). The effects of these differences, while not quantified, are presumed to be
        material to the Statutory Financial Statements. The more significant of these differences are as follows: </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(1)&#160;&#160;&#160;&#160;Acquisition costs, such as
        commissions and other costs incurred in connection with acquiring new and renewal business, are charged to current operations as incurred. Under U.S. GAAP, acquisition costs that are directly related to the successful acquisition of insurance
        contracts are capitalized and charged to operations on a straight-line basis over the expected term of the related contracts.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(2)&#160;&#160;&#160;&#160;Aggregate reserves for life
        policies and annuity contracts, excluding variable annuities, are based on statutory mortality and interest assumptions without consideration for lapses or withdrawals. Under U.S. GAAP, aggregate reserves consider lapses and withdrawals.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(3)&#160;&#160;&#160;&#160;Certain reinsurance
        transactions, primarily used for annuity business, are recognized as reinsurance for statutory purposes only. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(4)&#160;&#160;&#160;&#160;Ceded reinsurance
        recoverable are netted against their related reserves within Policyholder liabilities, Life policies and annuity contracts and Life policy and contract claims, on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
        Under U.S. GAAP, these ceded reserves are presented on a gross basis as an asset.</font></div>
    <div style="height:58.5pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 8 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(5)&#160;&#160;&#160;&#160;The Company reinsures a
        portion of its in-force block of business through several reinsurance agreements. Under NAIC SAP, the after-tax gains associated with these indemnity reinsurance transactions are recorded in Unassigned surplus and recognized through income as
        future earnings of the books of business emerge. Under U.S. GAAP, the pretax gains associated with such transactions that qualify as reinsurance, are deferred as liabilities and are amortized into operations over the revenue-producing period of the
        policies.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(6)&#160;&#160;&#160;&#160;Bonds are carried at values
        prescribed by the NAIC, generally amortized cost, except for those with an NAIC rating of 6, which are reported at the lower of amortized cost or fair value. Under U.S. GAAP, bonds classified as &#8220;available-for-sale&#8221; are carried at fair value, with
        unrealized gains and losses recorded in stockholder&#8217;s equity.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> (7)&#160;&#160;&#160;&#160;Changes in deferred income
        taxes are recorded directly to Unassigned surplus. Under U.S. GAAP, these items are generally recorded as an item of income tax benefit or expense in operations. Moreover, under NAIC SAP, a valuation allowance may be recorded against the deferred
        tax asset (DTA) and admittance testing may result in an additional charge to capital and surplus for nonadmitted portions of DTAs. Under U.S. GAAP, a valuation allowance may be recorded against the DTA and reflected as an expense.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(8)&#160;&#160;&#160;&#160;Investments in subsidiaries
        are carried at net equity values as prescribed by the NAIC. Changes in equity values are reflected in Unassigned surplus within the Statutory Statements of Capital and Surplus as credits or charges to Unassigned surplus. Under U.S. GAAP, wholly
        owned subsidiary results are consolidated.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(9)&#160;&#160;&#160;&#160;The Company is required to
        establish an asset valuation reserve (AVR) liability and an interest maintenance reserve (IMR) liability. The AVR provides for a standardized statutory investment valuation reserve for certain invested assets. Changes in this reserve are recorded
        as direct charges or credits to Unassigned surplus. The IMR is designed to defer net realized capital gains and losses, net of tax, resulting from changes in the level of prevailing market interest rates and amortize them into income within the
        Statutory Statements of Operations over the remaining life of the investment sold. The IMR represents the unamortized portion of applicable investment gains and losses as of the balance sheet date. There is no such concept under U.S. GAAP.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(10)&#160;&#160;&#160;&#160;Canadian asset and
        liability amounts are expressed in Canadian dollars without foreign exchange translation into U.S.&#160;dollars. A net foreign currency translation adjustment is recorded within the Statutory Statements of Admitted Assets, Liabilities, and Capital and
        Surplus with an offset to Other changes in capital and surplus within the Statutory Statements of Capital and Surplus. Under U.S. GAAP, Canadian assets and liabilities are converted to U.S.&#160;dollars, with any translation adjustment recorded to
        stockholder&#8217;s equity.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(11)&#160;&#160;&#160;&#160;Certain assets designated
        as &#8220;nonadmitted assets&#8221; are not recognized and are charged directly to Unassigned surplus within the Statutory Statements of Capital and Surplus. These include, but are not limited to, investments in unaudited subsidiary, controlled, and affiliated
        (SCA) entities, electronic data processing (EDP) software, portions of goodwill, furniture and fixtures, prepaid expenses, receivables outstanding greater than 90&#160;days, and portions of DTAs. There is no such concept under U.S. GAAP. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(12)&#160;&#160;&#160;&#160;A provision is made for
        amounts ceded to unauthorized reinsurers in excess of collateral in the form of a trust or letter of credit through a direct charge to Unassigned surplus within the Statutory Statements of Capital and Surplus. There is no such requirement under
        U.S. GAAP.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(13)&#160;&#160;&#160;&#160;Revenues for universal
        life policies and annuity contracts, excluding deposit-type contracts, are recognized as revenue when received within the Statutory Statements of Operations. Under U.S. GAAP, policy and contract fees charged for the cost of insurance, policy
        administrative charges, amortization of policy initiation fees, and surrender contract charges are recorded as revenues when earned.</font></div>
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        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 9 of 69</font></div>
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      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(14)&#160;&#160;&#160;&#160;Benefits for universal
        life policies and annuity contracts within the Statutory Statements of Operations, excluding deposit-type contracts, consist of payments made to policyholders. Under U.S. GAAP, benefits represent interest credited, and claims and benefits incurred
        in excess of the policyholder&#8217;s contract balance.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(15)&#160;&#160;&#160;&#160;Derivatives are reported
        at fair value in accordance with SSAP No. 86, Derivatives (SSAP No. 86) and SSAP No. 108, Derivatives Hedging Variable Annuity Guarantees (SSAP No. 108). See additional information in section (k) of this note and note 5. Changes in the fair value
        of derivatives, except those reported under SSAP No. 108, are recorded as direct adjustments to Unassigned surplus as a component of Change in unrealized capital gains (losses) within the Statutory Statements of Capital and Surplus. For derivatives
        reported under SSAP No. 108, changes in fair value are recognized as net deferred assets or liabilities within Other assets or Other liabilities, respectively, in the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus,
        for fluctuations in fair value that do not offset the changes in the hedged item. The deferred asset or liability is amortized over the timeframe required under SSAP No. 108. Under U.S. GAAP, changes in the fair value of derivatives are recorded in
        derivative income (loss) as part of operating income and the hedged derivatives are carried at fair value. In addition, the effective and ineffective portions of a hedge are accounted for separately.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(16)&#160;&#160;&#160;&#160;Commissions allowed by
        reinsurers on business ceded are reported as income when received within the Statutory Statements of Operations. Under U.S. GAAP, such commissions are deferred and amortized as a component of deferred acquisition costs to the extent
        recoverable.&#160;&#160;&#160;&#160;</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(17)&#160;&#160;&#160;&#160;The Statutory Financial
        Statements do not include a statement of comprehensive income as required under U.S. GAAP.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(18)&#160;&#160;&#160;&#160;The Statutory Statements
        of Cash Flow do not classify cash flows consistent with U.S. GAAP and a reconciliation of net income to net cash provided from operating activities is not provided.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(19)&#160;&#160;&#160;&#160;The calculation of
        reserves and transfers in the separate account statement requires the use of a Commissioners Annuity Reserve Valuation Method (CARVM) allowance on annuities for NAIC SAP. There is no such requirement under U.S. GAAP.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(20)&#160;&#160;&#160;&#160;Sales inducements and
        premium bonuses are included in Life policies and annuity contracts in the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus, and are charged to current operations as incurred. Under U.S. GAAP, deferred sales inducements
        and premium bonuses are similarly reserved; however, the costs are capitalized as assets and charged to operations as future profits are recognized in a manner similar to acquisition costs.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(21)&#160;&#160;&#160;&#160;Negative cash balances are
        presented as a negative asset within the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. These balances are presented as a liability under U.S. GAAP.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(22)&#160;&#160;&#160;&#160;Embedded derivatives are
        not separated from the host contract and accounted for separately as a derivative instrument. Under U.S. GAAP, entities must separate the embedded derivative from the host contracts and separately account for those embedded derivatives at fair
        value.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:81pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(23)&#160;&#160;&#160;&#160;For certain annuity
        products with a market value adjustment feature sold to Minnesota residents (MN MVA) and variable-indexed annuities, the Department requires the Company to maintain a separate asset portfolio to back related reserves. These assets and liabilities
        are required to be included as part of the Separate account assets and Separate account liabilities presented on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. Under U.S. GAAP, there is no such requirement.</font></div>
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        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 10 of 69</font></div>
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      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
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    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Permitted and Prescribed Statutory Accounting Practices</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is required to file annual statements
        with insurance regulatory authorities, which are prepared on an accounting basis permitted or prescribed by such authorities. Prescribed statutory accounting practices include state laws, regulations, and general administrative rules, as well as a
        variety of publications of the NAIC. Permitted statutory accounting practices encompass all accounting practices that are not prescribed; such practices differ from state to state, may differ from company to company within a state, and may change
        in the future. The Company has no permitted or prescribed practices that differ from NAIC SAP that had an impact on net income or surplus as of December&#160;31, 2023, 2022, and 2021.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s subsidiary, AZMO, has adopted an
        accounting practice that is prescribed by the Department of Insurance, Financial Institutions, and Professional Registration of the State of Missouri (the Missouri Department). The effect of the accounting practice allows a letter of credit to be
        carried as an admitted asset. The balance of the letter of credit asset at December&#160;31, 2023 and 2022 was $99 and $117, respectively. Under NAIC SAP, this letter of credit would not be allowed as an admitted asset. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This prescribed practice does not impact the net
        income of AZMO and results in increases to surplus of $99 and $117 as of December&#160;31, 2023 and 2022, respectively. The Company&#8217;s carrying value of its investment in AZMO per the audited statutory surplus was $391 and $395, and the carrying value of
        its investment in AZMO would have been $292 and $278 if AZMO had completed Statutory Financial Statements in accordance with the NAIC SAP as of December&#160;31, 2023 and 2022, respectively. AZMO maintains an adequate amount of surplus such that if it
        had not adopted the prescribed practice, surplus would still exceed the risk-based capital requirements. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(c)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Use of Estimates</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The preparation of Statutory Financial Statements in
        conformity with NAIC SAP requires management to make certain estimates and assumptions that affect reported amounts of admitted assets and liabilities, including reporting or disclosure of contingent assets and liabilities as of December&#160;31, 2023
        and 2022, and the reported amounts of revenues and expenses during the reporting period. Future events, including changes in mortality, morbidity, interest rates, capital markets, and asset valuations could cause actual results to differ from the
        estimates used within the Statutory Financial Statements. Such changes in estimates are recorded in the period they are determined. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(d)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Premiums and Annuity Considerations</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Life premiums are recognized as income over the
        premium paying period of the related policies. Nondeposit-type annuity considerations are recognized as revenue when received. Accident and health premiums are earned ratably over the terms of the related insurance and reinsurance contracts or
        policies.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(e)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Aggregate Reserves for Life Policies and Annuity Contracts</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Reserves are principally calculated as the minimum
        reserves permitted by the state where the contract is issued for the year in which the contract is issued.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%"> </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the Company&#8217;s fixed annuity product lines,
        reserves are calculated using CARVM. The Company uses both issue year and change in fund basis for the calculation method, on a curtate basis, using the maximum allowable interest rate. Deferred fixed-interest and fixed-indexed annuities typically
        have a two-tier structure to encourage annuitization, or a single-tier structure, which may include a market value adjustment. Either two-tier or single-tier annuities may include bonuses. </font></div>
    <div style="margin-bottom:6pt;margin-top:3pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the Company&#8217;s variable and variable-indexed
        annuity product lines, reserves are calculated using VM-21, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Requirements for Principle-Based Reserves for
        Variable Annuities</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> (VM-21). Variable deferred annuities include a wide range of guaranteed minimum death benefits and living
        benefits (income, accumulation, and withdrawal).</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Reserves for immediate annuities are calculated
        using current prescribed mortality tables.</font></div>
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        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 11 of 69</font></div>
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      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Aggregate reserves for life insurance policies are
        principally calculated using the Commissioners Reserve Valuation Method (CRVM) or VM-20, </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Requirements for
        Principle-Based Reserves for Life Products</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, depending on the policy's issue date. Additional reserves are held for
        supplemental benefits and for contracts with secondary guarantees, consistent with prescribed regulations and actuarial guidelines. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory capital volatility arises on the FIUL
        products due to the timing mismatch between when changes in the Company's derivative instruments and the hedged statutory reserve are recognized in income. To reduce the Company's capital sensitivity, the Company records a voluntary reserve, which
        accounts for policyholder index credits that are not included in minimum reserves minus expected investment income before credits are paid (floored at zero). The Company began recording this reserve in 2023, and the balance was $302 as of
        December&#160;31, 2023.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company performs an annual asset adequacy
        analysis as required by regulation covering substantially all of its reserves. These tests are not only performed under the required interest rate scenarios, but also under additional stochastically generated interest and equity growth scenarios.
        Sensitivity tests, including policy lapse, annuitization, maintenance expenses, and investment return, are performed to evaluate potential insufficiencies in reserve adequacy. The results of these tests and analysis resulted in $0 of additional
        reserves at December&#160;31, 2023 and 2022, respectively. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(f)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Aggregate Reserves for Accident and Health Policies</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For accident and health business, reserves consist
        of active life reserves (mainly reserves for unearned premiums and reserves for contingent benefits on individual LTC business) and claim reserves (the&#160;present value of amounts not yet due). Claim reserves represent incurred but unpaid claims under
        group policies. For the LTC business, the asset adequacy analysis was performed through a gross premium valuation. At December&#160;31, 2023 and 2022, the results of these tests and analysis supported the establishment of additional reserves of $492 and
        $412, respectively.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(g)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Deposit-type Contracts</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Deposit-type contracts represent liabilities to
        policyholders in a payout status, who have chosen a fixed payout option without life contingencies. The premiums and claims related to deposit-type contracts are not reflected in the Statutory Statements of Operations as they do not have insurance
        risk. The Company accounts for the contract as a deposit-type contract in the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(h)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Policy and Contract Claims</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Policy and contract claims include the liability for
        claims reported but not yet paid, claims incurred but not yet reported (IBNR), and claim settlement expenses on the Company&#8217;s accident and health business. Actuarial reserve development methods are generally used in the determination of IBNR
        liabilities. In cases of limited experience or lack of credible claims data, loss ratios are used to determine an appropriate IBNR liability. Claim and IBNR liabilities of a short-term nature are not discounted, but those claim liabilities
        resulting from disability income or LTC benefits include interest and mortality discounting.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(i)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Reinsurance</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company assumes and cedes business with other
        insurers. Reinsurance premium and benefits paid or provided are accounted for in a manner consistent with the basis used in accounting for original policies issued and the terms of the reinsurance contracts. Amounts recoverable from reinsurers
        represent account balances and unpaid claims covered under reinsurance contracts. Amounts paid or deemed to have been paid for claims covered by reinsurance contracts are recorded as a reinsurance recoverable and are included in Other assets on the
        Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Included in Unassigned surplus is the gain
        recognized when the Company enters into a coinsurance, modified coinsurance (modco) or yearly renewable term (YRT) agreement on existing business. The gain is deferred and </font></div>
    <div style="height:58.5pt;position:relative;width:100%">
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        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 12 of 69</font></div>
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      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">amortized into operations on a basis consistent with
        how the future earnings emerge on the underlying business. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Reserve adjustments related to reinsurance ceded in
        the Statutory Statements of Operations include reserve changes received from reinsurers on modified coinsurance (modco) and funds withheld treaties. Under a modco or funds withheld agreement, the ceded reserves and a portfolio of assets remain on
        the Company's Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. Ceded reserves for modco are presented within Life policies and annuity contracts on the Statutory Statements of Admitted Assets, Liabilities, and Capital
        and Surplus, while ceded reserves for funds withheld are presented within Funds held under reinsurance treaties. Assets supporting these treaties are considered restricted as they are not under the full control of the Company.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(j)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Investments</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Investment values are determined in accordance with
        methods prescribed by the NAIC. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Bonds and Stocks</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Securities Valuation Office (SVO) of the NAIC
        evaluates the credit quality of the Company&#8217;s bond investments. Bonds rated at &#8220;1&#8221; (highest quality), &#8220;2&#8221; (high quality), &#8220;3&#8221; (medium quality), &#8220;4&#8221; (low quality), or &#8220;5&#8221; (lower quality) are reported at cost adjusted for the amortization of
        premiums, accretion of discounts, and any impairment. Bonds rated at &#8220;6&#8221; (lowest quality) are carried at the lower of amortized cost or fair value with any adjustments to fair value recorded to Unassigned surplus within the Statutory Statements of
        Capital and Surplus. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In accordance with its investment policy, the
        Company invests primarily in high-grade marketable securities. Dividends are accrued on the date declared and interest is accrued as earned. Premiums or discounts on bonds are amortized using the constant-yield method.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%"> </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loan-backed securities and structured securities are
        amortized using anticipated prepayments, in addition to other less significant factors. Prepayment assumptions for loan-backed and structured securities are obtained from various external sources or internal estimates. The Company believes these
        assumptions are consistent with those a market participant would use. The Company recognizes income using the modified scientific method based on prepayment assumptions and the estimated economic life of the securities. For structured securities,
        except for collateralized debt obligations (CDOs) and impaired bonds, when actual prepayments differ significantly from anticipated prepayments, the effective yield is recalculated to reflect actual payments to date and anticipated future payments
        retrospectively. Any resulting adjustment is included in Net investment income on the Statutory Statements of Operations. For CDOs and impaired bonds, when adjustments are made for anticipated prepayments and other expected changes in future cash
        flows, the effective yield is recalculated using the prospective method as required by Statement of Statutory Accounting Principles (SSAP) No.&#160;43R &#8211; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loan Backed and Structured Securities</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">
        (SSAP No.&#160;43R). </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Hybrid securities are investments structured to have
        characteristics of both stocks and bonds. The Company records these securities within Bonds on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Common stocks, other than investments in
        subsidiaries and Federal Home Loan Bank (FHLB) stock, are carried at fair value. FHLB stock is carried at cost, which approximates fair value. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Gross realized gains and losses are computed based
        on the average amortized cost of all lots held for a particular CUSIP. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair value of bonds and common stocks is
        obtained from third-party pricing sources whenever possible. Management completes its own independent price verification (IPV) process, which ensures security pricing is obtained from a third-party source other than the sources used by the
        Company's internal and external investment managers. The IPV process supports the reasonableness of price overrides and challenges by the </font></div>
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        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 13 of 69</font></div>
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      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">internal and external investment managers and
        reviews pricing for appropriateness. Results of the IPV process are reviewed by the Company&#8217;s Pricing Committee.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company reviews its combined investment
        portfolio, including subsidiaries, in aggregate each quarter to determine if declines in fair value are other than temporary. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For bonds for which the fair value is less than
        amortized cost, the Company evaluates whether a credit loss exists by considering primarily the following factors: (a)&#160;the length of time and extent to which the fair value has been less than the amortized cost of the security; (b)&#160;changes in the
        financial condition, credit rating, and near-term prospects of the issuer; (c)&#160;whether the issuer is current on contractually obligated interest and principal payments; (d)&#160;changes in the financial condition of the security&#8217;s underlying collateral,
        if any; and (e)&#160;the payment structure of the security. For loan-backed securities, the Company must allocate other-than-temporary impairments (OTTI) between interest and noninterest-related declines in fair value. Interest-related impairments are
        considered other than temporary when the Company has the intent to sell the investment prior to recovery of the cost of the investment. The Company maintains a prohibited disposal list that restricts the ability of the investment managers to sell
        securities in a significant unrealized loss position and requires formal attestations from investment managers regarding their lack of intent to sell certain securities. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company evaluates whether equity securities are
        other-than-temporarily impaired through a review process which includes, but is not limited to, market analysis, analyzing current events, assessing recent price declines, and management&#8217;s judgment related to the likelihood of recovery within a
        reasonable period of time.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Impairments considered to be other-than-temporary
        are recorded as a reduction of the cost of the security, and a corresponding realized loss is recognized on the Statutory Statements of Operations in the period in which the impairment is determined. Recognition of the realized loss is subject to
        potential offset by AVR and IMR. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company holds certain cash equivalents which
        receive bond treatment based on their underlying securities. These are classified as Other assets receiving bond treatment in Note 5.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Investment in Subsidiaries</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Common stock of the Company&#8217;s insurance subsidiaries
        is carried at SAP capital and surplus, and investments in non-insurance subsidiaries are carried at U.S. GAAP equity value adjusted for certain items that are considered to be non-admitted. Unaudited subsidiaries are fully non-admitted.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Mortgage Loans on Real Estate</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Mortgage loans on real estate, including commercial
        mortgage loans (CMLs) and residential mortgage loans (RMLs), are carried at the outstanding principal balance, adjusted for any impairment. The fair value of CMLs is calculated by analyzing individual loans and assigning ratings to each loan based
        on a combination of loan-to-value ratios and debt service coverage ratios. Fair value is determined based on these factors as well as the contractual cash flows of each loan and the current market interest rates for similar loans. The fair value of
        RMLs is calculated by discounting estimated cash flows, with discount rates based on current market conditions. The Company evaluates loans quarterly to assess whether there is an impairment based on the likelihood of receiving all contractual cash
        flows. The Company accounts for interest income on impaired loans on a cash basis. Interest accrual is discontinued for impaired loans and interest income is only recognized when received. Payments received on impaired loans are applied to accrued
        interest, and payments received in excess of accrued interest are applied to principal. </font></div>
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        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 14 of 69</font></div>
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      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Real Estate</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Real estate primarily represents the Company&#8217;s home
        office property, and is carried at depreciated cost less encumbrances in accordance with SSAP No. 40 &#8211; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Real




        Estate Investments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. Real estate income, including income received from home office property, is included in Net investment
        income on the Statutory Statements of Operations. Real estate, exclusive of land, is depreciated on a straight-line basis over estimated useful lives ranging from 3 to 40&#160;years. At December&#160;31, 2023 and 2022, accumulated depreciation was $88 and
        $83, respectively. Furthermore, as of December&#160;31, 2023 and 2022, real estate was presented net of encumbrances of $8 and $20, respectively, as discussed in Note 7. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company had real estate classified as held for
        sale that was transferred from RMLs in the amount of $4 and $0 as of December&#160;31, 2023 and 2022, respectively. Allianz Life sold properties with a book value of $1, $4 and $3 during the years ended December&#160;31, 2023, 2022 and 2021, respectively,
        and recognized a gain of $0, $1, and $0 during the years ended December&#160;31, 2023, 2022 and 2021, respectively.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Cash, Cash Equivalents and Short-term Investments</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Cash and cash equivalents may include cash on hand,
        demand deposits, money market funds, reverse repurchase agreements (repo), and highly liquid debt instruments purchased with an original maturity of three months or less. Due to the short-term nature of these investments, the carrying value is
        deemed to approximate fair value.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the normal course of business, the Company enters
        into bilateral and tri-party repos, whereby the Company purchases securities and simultaneously agrees to resell the same securities at a stated price on a specified date in the future, for the purpose of earning a specified rate of return. An
        affiliate of the Company serves as the agent in the bilateral agreements and an unaffiliated bank serves as the custodian in the tri-party agreements. The bilateral agreements require purchases of specifically identified securities. If at any time
        the fair value of those purchased securities falls below the purchase price, additional collateral in the form of cash or additional securities is required to be transferred to ensure margin maintenance. The tri-party agreements allow for the
        purchase of certain bonds and structured securities, and require a minimum of 102% of fair value of the securities purchased to be maintained as collateral.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s repos are accounted for as
        collateralized lending in accordance with SSAP No.&#160;103R &#8211; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Transfers and Servicing of Financial Assets and
        Extinguishments of Liabilities</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> (SSAP No. 103R), whereby the amounts paid for the securities are reported as cash equivalents
        within Cash and cash equivalents on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The difference between the amount paid and the amount at which the securities will be resold is reported as interest income
        within Net investment income on the Statutory Statements of Operations. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Short-term investments are comprised of bonds due in
        one year or less at original purchase. Due to the short-term nature of these investments, the carrying value is deemed to approximate fair value.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Policy Loans</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Policy loans are supported by the underlying cash
        value of the policies. Policy loans are carried at unpaid principal balances plus accrued interest income on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The unpaid principal balances are not in excess of the
        cash surrender values of the related policies.</font></div>
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        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 15 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
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    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Other Invested Assets</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company participates in securities lending
        arrangements whereby specific securities are loaned to other institutions. The Company receives collateral from these arrangements including cash and cash equivalents, which can be reinvested based on the Company's discretion, and noncash
        collateral, which may not be sold or re-pledged unless the counterparty is in default. The Company accounts for its securities lending transactions as secured borrowings, in which the cash collateral received and the related obligation to return
        the cash collateral are recorded in Other invested assets and Other liabilities, respectively, on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. Noncash collateral received is not reflected on the Statutory
        Statements of Admitted Assets, Liabilities, and Capital and Surplus. Securities on loan remain on the Company&#8217;s Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus, and interest and dividend income earned by the Company on
        loaned securities is recognized in Net investment income on the Statutory Statements of Operations. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Company policy requires a minimum of 102% of fair
        value of securities loaned under securities lending agreements to be maintained as collateral.</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> The
        Company's sources of cash used to return cash collateral is dependent upon the liquidity of current market conditions. The Company has policies in place to manage reinvested collateral at appropriate levels of liquidity.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company invests in low income housing tax credit
        (LIHTC) investments for tax benefits. In accordance with SSAP No. 93 &#8211; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Low Income Housing Tax Credit
        Property Investments</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, the LIHTC investments are carried at cost and adjusted for amortization based on the proportion of
        total tax credits and other tax benefits expected to be received over the life of the investments. The Company records an asset for the full unfunded investment amount upon entering into a LIHTC agreement; amortization decreases the asset balance
        over time. A corresponding liability is recorded for the unfunded commitment balance beginning when the LIHTC investment is initially funded, which decreases as the Company provides capital to fund. The asset and liability are recorded in Other
        invested assets and Other liabilities, respectively, on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The tax benefit is recognized within Income tax expense within the Statutory Statements of Operations. The
        amortization of the investment is recorded as Net investment income and any impairments are included in Net realized capital gain (loss) within the Statutory Statements of Operations.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company invests in limited partnerships (LPs)
        which are recorded using the equity method in line with SSAP No. 48, Joint Ventures, Partnerships, and Limited Liability Companies. The assets are recorded in Other invested assets and Other liabilities, respectively, on the Statutory Statements of
        Admitted Assets, Liabilities, and Capital and Surplus. The Company recognizes income in Net investment income on the Statutory Statement of Operations for distributions deemed to be income distributions by the LP if the accumulated earnings balance
        is positive, and if it is zero, it reduces the book value. For distributions deemed to be a return of capital by the LP, the book value is reduced regardless of whether the undistributed accumulated earnings balance is positive. </font></div>
    <div style="margin-bottom:10pt;margin-top:3pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Receivables and payables for securities are carried
        at fair value on the trade date and represent a timing difference on securities that are traded at the balance sheet date but not settled until subsequent to the balance sheet date. Receivables and payables for securities are included in Other
        invested assets and Other liabilities, respectively, on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. </font></div>
    <div style="margin-bottom:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(k)&#160;&#160;&#160;&#160;Derivatives</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company utilizes derivatives within certain
        actively managed investment portfolios for hedging purposes.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Hedge Accounting</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company elects hedge accounting under SSAP No.
        86 and SSAP No. 108 for certain qualifying derivative instruments. To qualify for hedge accounting, at inception, the Company formally documents the risk management objective and strategy for undertaking the hedging transaction. The documentation
        links a specific derivative to a specific asset or liability on the Statutory Statements of Assets, Liabilities, and Capital </font></div>
    <div style="height:58.5pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 16 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">and Surplus, identifies how the derivative is
        expected to offset the exposure to changes in the hedged item's fair value or variability in cash flows attributable to the designated hedge risk, and the effectiveness testing methods to be used. Hedge effectiveness is formally assessed at
        inception and on a quarterly basis throughout the life of the designated hedging relationships.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Hedge effectiveness is assessed using qualitative
        and quantitative methods. Qualitative methods may include comparison of critical terms of the derivative to the hedged item. Quantitative methods include analysis of changes in fair value or cash flows associated with the hedge relationship. Hedge
        effectiveness may be measured using either the dollar offset method or regression analysis. The dollar offset method compares changes in fair value or cash flows of the hedging instrument with changes in the fair value or cash flows of the hedged
        item attributable to the hedged risk. Regression analysis is a statistical technique used to measure the relationships between the fair values or cash flows of a derivative and a hedged item and how each reacts to changes in the designated hedge
        risk (i.e., interest rates, foreign currency rates). </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A derivative instrument is either classified as an
        effective hedge or an ineffective hedge. Entities must account for the derivative at fair value if deemed to be ineffective or becomes ineffective. For those derivatives qualifying as effective for hedge accounting under SSAP No. 86, the change in
        the carrying value or cash flow of the derivative shall be recorded consistently with the way that changes in the carrying value or cash flows of the hedged item are recorded. For those derivatives qualifying as effective for hedge accounting under
        SSAP No. 108, the derivative is carried at fair value.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Foreign Currency Swaps</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:120%"> </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company utilizes foreign currency swaps to hedge
        cash flows and applies hedge accounting. Specifically, the Company uses foreign currency swaps to hedge foreign currency and interest rate fluctuations on certain underlying foreign currency denominated fixed-maturity securities. The foreign
        currency swaps are reported at amortized cost from the date hedge accounting is designated and deemed to be effective, which is consistent with the accounting for the bonds that are the subject of the hedge accounting transactions. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Interest Rate Swaps on Variable
        Annuity Insurance Liabilities </font></div>
    <div style="padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company utilizes interest rate swaps (IRS) to hedge the interest rate risk on
        certain variable annuity</font></div>
    <div style="padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">guarantee benefits. These are accounted for as a cash flow hedge under SSAP No. 86
        and a fair value hedge under SSAP No. 108.</font></div>
    <div style="padding-left:72pt;text-align:justify"><br>
    </div>
    <div style="padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Prior to January 1, 2020, the Company had IRS that hedge the interest rate risk on
        certain variable annuity guarantee benefits held at amortized cost in accordance with SSAP No. 86. The initial book value of the IRS represented the book value created from inception until the designation of hedge accounting. These IRS were held at
        amortized cost and changes were recognized to the extent they offset changes in the AG43 reserve for the hedged item due to interest rate movement. The initial book value and subsequent changes due to the hedged item or realized gains or losses
        recorded under hedge accounting (hedge adjustment) are amortized over the duration of the hedge program, approximated by AG43 standard scenario revenues. </font></div>
    <div style="padding-left:72pt;text-align:justify"><br>
    </div>
    <div style="padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:115%">Effective January 1, 2020, the Company de-designated its previous hedging
        relationship under SSAP No. 86 and simultaneously designated the hedging relationship described above under SSAP No. 108. The remaining balance of the SSAP No. 86 hedge adjustment is recorded within Other liabilities on the Statutory Statements of
        Admitted Assets, Liabilities, and Capital and Surplus, and will be amortized over the life of the former hedge program. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The table below represents the hedge adjustment
        balance under SSAP No. 86:</font></div>
    <div style="height:58.5pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 17 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
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    </div>
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    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:36pt;text-align:justify;text-indent:36pt">
      <table id="z90cbdd5e126c456e96a0d1a1844b7e0f" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:85.435%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:58.653%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:18.583%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:19.464%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Hedge adjustment balance
                - beginning of year</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">401&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">455&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Amount amortized into earnings during
                the year</font></td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(49)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(54)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Hedge adjustment balance
                - end of year</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">352&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">401&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Effective January 1, 2020, the Company designated
        the hedging relationship described above under SSAP No. 108. The hedged item consists of a portion of the Company's variable annuity block of business minimum benefit guarantees that are sensitive to interest rate movement. The hedged portion of
        the block is determined on a monthly basis based on the percentage of the economic liability being hedged. The related hedging instrument is a portfolio of interest rate swap derivatives which follows a dynamic hedging strategy. Changes in interest
        rates impact the present value of the future product cash flows.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company recognizes a net deferred asset or
        liability within Other assets or Other liabilities, respectively, on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus for fluctuations in fair value that do not offset the changes in the hedged liability. Beginning
        July 1, 2021, the Company elected to amortize the deferred balance that existed as of June 30, 2021 over five years, in accordance with SSAP No. 108, paragraph 14.c. Changes in the deferred balance after July 1, 2021 will be amortized over the
        timeframe required under SSAP No. 108, paragraph 14, which is the Macaulay duration of guarantee benefit cash flows, capped at 10 years.</font></div>
    <div style="padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The hedge strategy is compliant with VM-21 Clearly Defined Hedge Strategy (CDHS)
        requirements and meets all the criteria to be defined as an effective hedge relationship as required by SSAP No. 108. The Company entered into this hedging relationship effective January 1, 2020 and no changes in hedging strategy have occurred
        since inception. Hedge effectiveness is measured in accordance with SSAP No. 108 on a quarterly basis, both prospectively and retrospectively, and remains highly effective as of December&#160;31, 2023. </font></div>
    <div style="padding-left:72pt"><br>
    </div>
    <div style="padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In accordance with SSAP No. 108, an amount equal to the net deferred asset and
        deferred liability is allocated from Unassigned funds to Special surplus funds on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The following table shows the deferred activity for the years ended December&#160;31,
        2023 and 2022. </font></div>
    <div style="margin-top:9pt;padding-left:72pt">
      <table id="z4b3e163c89ee4c92be6499aab5857019" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:82.582%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:56.354%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:20.172%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:20.174%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 2.5pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net deferred
                liability - beginning of year</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">300&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,437&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Amortization</font></td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(219)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(269)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Additional
                amounts deferred</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(68)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(868)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 2.5pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net deferred liability - end of year</font></td>
            <td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">13&#160;</font></td>
            <td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">300&#160;</font></td>
            <td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:9pt;margin-top:4pt;padding-left:72pt"><br>
    </div>
    <div style="margin-bottom:9pt;margin-top:4pt;padding-left:72pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:107%">The net deferred balance will amortize over the next 10 years, as shown
        below:</font></div>
    <div style="height:58.5pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 18 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;padding-left:76.5pt;text-indent:9pt">
      <table id="zdee0285fa51b4c6fb649552c2ef96954" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:57.207%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:5.986%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:29.346%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:2.687%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:24.884%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:2.162%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:30.135%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortization year</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Deferred assets</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Deferred liabilities</font></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2024</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(310)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">528&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2025</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(310)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">528&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2026</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(217)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">282&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2027</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(124)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">37&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2028</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(124)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">37&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2029</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(123)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">36&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2030</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(123)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">36&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2031</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(123)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">36&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2032</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(77)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">27&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2033</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(22)</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,553)</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,566&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The company did not have other changes related to open derivatives
        removed from SSAP No. 86 and captured in scope of SSAP No. 108 for the years ended December&#160;31, 2023 and 2022. During the years ended December&#160;31, 2023 and 2022, the fair value changes available for application under SSAP No. 108 was $(58) and
        $(1,712), respectively.</font></div>
    <div style="margin-bottom:6pt;padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company did not have any hedging strategies identified as no
        longer highly effective and did not terminate any hedging strategies during the years ended December&#160;31, 2023 and 2022.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Nonqualifying hedging</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Futures and Options Contracts</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company provides benefits through certain life
        and annuity products which are linked to the fluctuation of various market indices, and certain variable annuity contracts that provide minimum guaranteed benefits. The Company has analyzed the characteristics of these benefits and has entered into
        over-the-counter (OTC) option contracts, exchange-traded option (ETO) contracts, and exchange-traded futures contracts tied to an underlying index with similar characteristics with the objective to economically hedge these benefits. Management
        monitors in-force amounts as well as option and futures contract values to ensure satisfactory matching and to identify unsatisfactory mismatches. If actual persistency deviated, management would purchase or sell option and futures contracts as
        deemed appropriate or take other actions. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The OTC option contracts and ETO contracts are
        reported at fair value in Derivative assets and Derivative liabilities on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The fair value of the OTC options is derived internally and deemed by management to be
        reasonable via performing an IPV process. The process of deriving internal derivative prices requires the Company to calibrate Monte Carlo scenarios to actual market information. The calibrated scenarios are applied to derivative cash flow models
        to calculate fair value prices for the derivatives. The fair value of the ETO contacts is based on quoted market prices. Incremental gains and losses from expiring options are included in Net realized capital gain (loss) on the Statutory Statements
        of Operations. The liability for the related policyholder benefits is reported in Life policies and annuity contracts on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The unrealized gain or loss on open OTC
        option contracts is recognized as a direct adjustment to Unassigned surplus within the Statutory Statements of Capital and Surplus. Any unrealized gains or losses on open OTC option contracts are recognized as realized when the contracts mature
        (see Note&#160;5 for further discussion).</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Futures contracts do not require an initial cash
        outlay, and the Company has agreed to daily net settlement based on movements of the representative index. Therefore, no asset or liability is recorded as of the end of the reporting period. A derivative asset or liability and an offsetting
        variation margin payable or receivable is recorded in Derivative assets or Derivative liabilities in the Statutory Statements of Admitted </font></div>
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        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 19 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
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    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
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      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Assets, Liabilities, and Capital and Surplus for the
        outstanding unpaid variation margin representing market movements on the last trading day of the year.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Gains and losses are not considered realized until
        the termination or expiration of the futures contract. Unrealized gains and losses on futures contracts are reflected in the Statutory Statements of Capital and Surplus in Unassigned surplus, within Change in unrealized capital gains (loss).
        Realized gains and losses on futures contracts are included in the Statutory Statements of Operations, Net realized capital gain (loss), net of taxes and interest maintenance reserve.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Interest Rate Swaps, Credit
        Default Swaps, Total Return Swaps, and To Be Announced Securities</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company utilizes IRS, credit default swaps
        (CDS), total return swaps (TRS), and To Be Announced (TBA) securities to economically hedge market risks embedded in certain life and annuity products. The IRS, CDS, TRS and TBA securities are reported at fair value in Derivative assets or
        Derivative liabilities on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The fair value of the IRS, CDS, and TBA securities are derived using a third-party vendor software program and deemed by management to be
        reasonable. Centrally cleared IRS fair values are obtained from the exchange on which they are traded. The fair value of the TRS is based on counterparty pricing and deemed by management to be reasonable. Changes in unrealized gains and losses on
        the swaps are recorded as a direct adjustment to Unassigned surplus within the Statutory Statements of Capital and Surplus. Gains and losses on exchange cleared IRS are recorded as unrealized until the contracts mature or are disposed at which time
        they are recorded as realized, subject to offset by IMR. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(l)&#160;&#160;&#160;&#160;Corporate-Owned Life Insurance</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Corporate-owned life insurance (COLI) is recognized
        initially as the amount of premiums paid. Subsequent measurement of the contract is based upon the amount that could be realized assuming the surrender of an individual-life policy (or certificate in a group policy), otherwise known as the cash
        surrender value (CSV), in accordance with SSAP No.&#160;21 &#8211; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Other Admitted Assets</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> (SSAP No. 21). Changes in CSV resulting from subsequent measurement of the contract are recognized as a component of Other income on the
        Statutory Statements of Operations. The Company&#8217;s COLI policies are reported in Other assets on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(m)&#160;&#160;&#160;&#160;Borrowed Money</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is a member of the FHLB of Des Moines,
        primarily for the purpose of participating in the FHLB&#8217;s mortgage collateralized loan advance program with short-term and long-term funding facilities. Members are required to purchase and hold a minimum amount of FHLB capital stock plus additional
        stock based on outstanding advances. Through its membership, the Company has issued debt to the FHLB in exchange for cash advances. It is part of the Company&#8217;s strategy to utilize funds borrowed from the FHLB for operations and strategic
        initiatives. The Company&#8217;s current borrowings are not subject to prepayment obligations. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Funds obtained from the FHLB and accrued interest
        are included within Borrowed money within the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus in accordance with SSAP No.&#160;15 &#8211; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Debt and Holding Company Obligations</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">.
        The collateral pledged to FHLB is reported as admitted assets within the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus in accordance with admissibility testing under SSAP No.&#160;30 &#8211; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Unaffiliated Common Stock</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(n)&#160;&#160;&#160;&#160;Income Taxes</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company and its subsidiaries file a consolidated
        federal income tax return with AZOA and all of its wholly-owned subsidiaries. The consolidated tax allocation agreement stipulates that each company participating in the return will bear its share of the tax liability pursuant to certain tax
        allocation elections under the Internal Revenue Code (IRC) and its related regulations and reimbursement will be in accordance with an intercompany tax reimbursement arrangement. The Company, and its insurance subsidiaries, generally will be paid
        for the tax benefit of any of their tax attributes used by any member of the consolidated group.</font></div>
    <div style="height:58.5pt;position:relative;width:100%">
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        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 20 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
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    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
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      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company provides for federal income taxes based
        on amounts the Company believes it ultimately will owe. Inherent in the provision for federal income taxes are estimates regarding the deductibility of certain items and the realization of certain tax credits. In the event the ultimate
        deductibility of certain items or the realization of certain tax credits differs from estimates, the Company may be required to significantly change the provision for federal income taxes recorded in the Statutory Statements of Admitted Assets,
        Liabilities, and Capital and Surplus. Any such change could significantly affect the amounts reported in the Statutory Statements of Operations. Management uses best estimates to establish reserves based on current facts and circumstances regarding
        tax exposure items where the ultimate deductibility is open to interpretation. Quarterly, management evaluates the appropriateness of such reserves based on any new developments specific to their fact patterns. Information considered includes
        results of completed tax examinations, Technical Advice Memorandums, and other rulings issued by the Internal Revenue Service or the tax courts.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%"> </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company utilizes the asset and liability method
        of accounting for income taxes. DTAs and deferred tax liabilities (DTLs), net of the nonadmitted portion are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets
        and liabilities and their respective tax bases. Gross DTAs and DTLs are measured using enacted tax rates and are considered for admitted tax asset status according to the admissibility test as set forth by the NAIC. Changes in DTAs and DTLs,
        including changes attributable to changes in tax rates, are recognized as a component of Unassigned surplus on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(o)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Separate Accounts</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Separate account assets and liabilities are
        primarily funds held for the exclusive benefit of variable and variable-indexed annuity contract holders. Separate account assets are reported at fair value in accordance with SSAP No.&#160;56 &#8211; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Separate Accounts</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> (SSAP No.&#160;56), with
        the exception of certain bonds, mortgage loans, other invested assets, cash, cash equivalents, securities lending reinvested collateral assets and investment income due and accrued. Certain assets that are allocated to the index options for the
        Allianz Index Advantage Variable Annuity (VIA), as listed above, are carried at amortized cost in accordance with the product filing requirements in the state of Minnesota.</font></div>
    <div style="padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Amounts due from separate accounts primarily represent the difference between the
        surrender value of the contracts and the Separate account liability as disclosed on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. This receivable represents the surrender fee that would be paid to the Company
        upon the surrender of the policy or contract by the policyholder or contract holder as of December&#160;31. Amounts charged to the contract holders for mortality and contract maintenance, and other administrative services fees are included in income
        within Fees from separate accounts on the Statutory Statements of Operations. These fees have been earned and assessed against contract holders on a daily or monthly basis throughout the contract period and are recognized as revenue when assessed
        and earned. Transfers to (from) separate accounts within the Statutory Statements of Operations primarily includes transfers for new premium and annuity considerations, benefit payments, surrender charge wear-off, realized and unrealized investment
        gains/losses, investment income, and other contractholder behavior.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(p)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Receivables</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Receivable balances approximate estimated fair
        values. This is based on pertinent information available to management as of year-end, including the financial condition and creditworthiness of the parties underlying the receivables. Any balances outstanding more than 90&#160;days are nonadmitted on
        the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(q)&#160;&#160;&#160;&#160;Reclassifications</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the year ended December 31, 2023 there was an
        amendment to a reinsurance treaty which converted ceded reserves from modco to funds withheld. This change resulted in the funds withheld reserve balance to be material enough to warrant its own line, Funds held under reinsurance treaties on the
        Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. Prior to this change, the funds withheld reserve balance was included in Other liabilities. The prior year balance was reclassified from Other liabilities to Funds held
      </font></div>
    <div style="height:58.5pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 21 of 69</font></div>
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      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">under reinsurance treaties on the Statutory
        Statement of Admitted Assets, Liabilities, and Capital and Surplus to conform to the current year presentation.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><br>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(3)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Accounting Changes and Corrections of Errors</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Accounting Changes</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:107%">Not applicable. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Recently Issued Accounting Standards &#8211; Adopted in
        2023 </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In March 2020, the NAIC adopted NS 2020-12,
        Reference Rate Reform, which provides optional guidance for a limited period of time to ease the potential burden on accounting for reference rate reform. The expedients outlined in the amendment are for modifications solely related to reference
        rate reform and optionally suspend assessments for re-measuring a contract. The Company adopted these amendments effective March 12, 2020. In August 2023, the NAIC adopted NS 2023-05, whereby the sunset date for relief afforded by NS 2020-12, was
        deferred until December 31, 2024. The Company has evaluated the impact of the new guidance and has identified financial assets which have terms related to reference rates that are expected to be discontinued. As of December 31, 2023, the Company
        has utilized the optional expedient to account for all modifications to financial assets occurring as a result of reference rate reform as a continuation of the existing financial asset. There was no impact on net income or surplus during the year
        ended December 31, 2023, as a result of adopting the revisions.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">In</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%"> </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">August 2023</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">,</font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> the NAIC adopted INT 23-01 Negative IMR. The temporary relief, which is optional for all companies required to
        maintain an AVR and IMR, allows for those entities to admit a limited amount of a net negative IMR balance as an admitted asset on a reporting entity's balance sheet. The revisions were effective as of August 13, 2023, and will be automatically
        nullified on January 1, 2026. Although the Company currently has a net positive IMR balance, the Company has adopted this item for the purposes of December 31, 2023 reporting. There was no impact on net income or surplus during the year ended
        December 31, 2023, as a result of adopting the INT.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Recently Issued Accounting
        Standards &#8211; Adopted in 2022 </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Not applicable.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><br>
    </div>
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        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 22 of 69</font></div>
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      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Recently Issued Accounting
        Standards &#8211; Adopted in 2021</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In July 2020, the NAIC adopted revisions to SSAP No.
        32R, Preferred Stock. The revisions update the definitions, measurement, and impairment guidance for various types of preferred stock and require perpetual preferred stock to be measured at fair value, not to exceed any currently effective call
        price, instead of at the lower of cost or fair value. The revisions were effective January 1, 2021. The implementation of these revisions on January 1, 2021 resulted in a pre-tax increase to surplus of $2. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2021, the NAIC extended the following
        interpretations (INT) in response to the COVID-19 pandemic:</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:63pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">INT 20-03, Troubled Debt Restructuring due to COVID-19. This INT followed the interagency COVID-19 guidance issued by
        federal and state prudential banking regulators (and concurred by the FASB) and the Coronavirus Aid, Relief, and Economic Security (CARES) Act. Specifically, a modification of a mortgage loan or bank loan terms did not result in troubled debt
        restructurings as long as the modification was in response to COVID-19, the borrower was current at the time of the modification, and the modification was short-term. In addition, insurers were not required to designate mortgage loans or bank loans
        with deferrals granted due to COVID-19 as past due or report them as nonaccrual loans. This INT was effective for the period beginning March 1, 2020 and originally expired on December 31, 2020. In January 2021, the provisions in this INT were
        extended updating the effective period to be the earlier of January 1, 2022 or the date that is 60 days after the date on which the national emergency declared by the President terminates. This INT did not impact the Company.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:63pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">INT 20-07, Troubled Debt Restructuring of Certain Debt Investments Due to COVID-19. This INT provided temporary
        guidance by allowing practical expedients when assessing whether modifications made to debt securities (under SSAP 26R and 43R) due to COVID-19 are insignificant. Specifically, the guidance proposed restructurings in response to COVID-19 are
        considered to be insignificant if the restructuring resulted in a 10% or less shortfall amount in the contractual amount due and did not extend the maturity of the investment by more than 3 years. This INT was effective for the period beginning
        March 1, 2020 and originally expired on December 31, 2020. In January 2021, the provisions in this INT were extended updating the effective period to be the earlier of January 1, 2022 or the date that is 60 days after the date on which the national
        emergency declared by the President terminates. This INT did not impact the Company.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In November 2021, the NAIC adopted revisions to SSAP
        No. 43R, Loan Backed and Structured Securities. The revisions state that non-rated residual tranches currently classified as bonds should be reclassified to other invested assets, and held at lower of cost or market. The revisions are effective
        December 31, 2022, with early application permitted. The company has adopted these revisions, resulting in no change due to no non-rated residual tranches classified as bonds as of December 31, 2021. There was no impact on net income or surplus
        during the year-ended December 31, 2021, as a result of adopting the revisions.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><br>
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        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 23 of 69</font></div>
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      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Recently Issued Accounting Standards &#8211; To Be Adopted</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In August of 2023, the NAIC adopted revisions to
        SSAP No. 26R, SSAP No. 43R, and updated references for various SSAPs to accommodate the two newly revised and adopted standards. Both revised SSAPs as well as the updated references were adopted as part of SAPWG's Principles Based Bond Definition
        project, and represent the first step towards implementing the new bond definition. The revised standards will be effective starting January 1, 2025. The Company has begun assessing the impacts of the amendments on the financial statements in
        anticipation of the January 1, 2025 effective date.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In December 2023, the NAIC adopted revisions to the
        Annual Statement Instructions through Ref #2023-15: IMR/AVR Specific Allocations. The revisions clarify the treatment of realized gains or losses in the context of allocating those gains and losses to either AVR or IMR. While the amendment reflects
        a SAP Clarification, the amendment addresses a new concept in basing the allocation of realized gains or losses on an "Acute Credit Event." The amendment is effective beginning January 1, 2024, and the Company plans to adopt these revisions as of
        that date. As this amendment applies to future transactions, there will be no impact to net income or surplus upon adoption.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Corrections of Errors</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company records corrections of errors in
        accordance with SSAP No.&#160;3 &#8211; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Accounting Changes and Correction of Errors</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> (SSAP No. 3). SSAP No.&#160;3 prescribes that the correction of errors in previously issued Statutory Financial Statements will be reported
        as an adjustment to capital and surplus in the period the error is detected. These errors are shown within Correction of errors, net of tax, on the Statutory Statements of Capital and Surplus. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During 2023, an error was identified related to the
        consistency of presenting internal exchanges between lines of business. These internal exchanges represent 1035 tax-free exchanges initiated by the policyholder to transition from an existing annuity contract to a new like kind annuity contract. On
        the Fixed Annuity line of business, the transaction is accounted for as a surrender within Surrenders on the Statement of Operations, and a subsequent application of premium on the new contract within Premiums and annuity considerations on the
        Statement of Operations. This methodology was not consistently applied to the Variable Annuity line of business, as the transaction was recorded net, with no financial statement impact. This error resulted in an equal and offsetting understatement
        of Premium and annuity consideration and Surrenders within the Statement of Operations for periods ended prior to January 1, 2023. Beginning January 1, 2023, the Company began recording the Variable Annuity transactions similarly to Fixed
        Annuities. There was no impact recorded as a correction of an error in the Statements of Capital and Surplus as surplus was correct as of December 31, 2022 due to the immateriality of the adjustment. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">During 2023, an error was identified related to the
        Company&#8217;s calculation of reserves for certain long-term care (LTC) products. Joint policies were incorrectly labeled within the LTC experience studies used by management to set morbidity-related assumptions for 2022 and 2023 unlocking. Had the
        correct experience studies been used when setting assumptions, management determined they would have set their best estimate morbidity-related assumptions differently for 2022. This error resulted in a $43 pre-tax decrease of Accident and health
        policies on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus and a $34 increase in after-tax surplus within the Statutory Statements of Capital and Surplus for periods ended prior to January 1, 2023. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During 2021, an error was identified related to the
        Company&#8217;s calculation of scheduled payments for certain fixed-indexed annuity products. The model for policies that have elected the scheduled payment option always used an income period of 10 years. After payments are received, future benefits and
        therefore the remaining benefit period, should have reduced but did not. This resulted in the Company holding excess reserves after policyholders elected this option. The error resulted in a $50 pre-tax overstatement of policyholder liabilities for
        life policies and annuity contracts and a corresponding $40 after-tax understatement of total capital and surplus as of December 31, 2020. Policyholder liabilities for life policies and annuity contracts on the Company&#8217;s financial statements were
        adjusted in 2021 to correct for the prior period impact. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During the year ended December 31, 2022 there were
        no corrections of errors recorded on the Statutory Statements of Capital and Surplus.</font></div>
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        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 24 of 69</font></div>
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      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
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    </div>
    <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(4)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Risk Disclosures</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following is a description of the significant
        risks facing the Company and how it attempts to mitigate those risks: </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Credit Risk</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Credit risk is the risk that issuers of fixed-income
        securities, borrowers of mortgages on commercial real estate, or other parties with whom the Company has transactions, such as reinsurers and derivative counterparties, default on their contractual obligations, resulting in unexpected credit
        losses. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company mitigates this risk by adhering to
        investment policies and limits that provide portfolio diversification on an asset class, asset quality, creditor, and geographical basis, and by complying with investment limitations from applicable state insurance laws and regulations. The Company
        considers all relevant objective information available in estimating the cash flows related to structured securities. The Company actively monitors and manages exposures, and determines whether any securities are impaired. The aggregate credit risk
        is influenced by management&#8217;s risk/return preferences, the economic and credit environment, and the ability to manage this risk through liability portfolio management.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For derivative counterparties, the Company mitigates
        credit risk by tracking and limiting exposure to each counterparty through limits that are reported regularly and, once breached, restricts further trades; establishing relationships with counterparties rated BBB+ and higher; and monitoring the CDS
        of each counterparty as an early warning signal to cease trading when credit default swap spreads imply severe impairment in credit quality.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company executes Credit Support Annexes (CSA)
        with all active and new counterparties which further limits credit risk by requiring counterparties to post collateral to a segregated account to cover any counterparty exposure. Additionally most transactions are cleared through a clearinghouse
        thereby transferring counterparty risk from the bank to the clearinghouse that tends to have stronger credit. This often leads to increased collateralization and lower counterparty risk for the Company.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(b)&#160;&#160;&#160;&#160;Credit Concentration Risk</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Credit concentration risk is the risk of increased
        exposure to significant asset defaults (of a single security issuer); economic conditions (if business is concentrated in a certain industry sector or geographic area); or adverse regulatory or court decisions (if concentrated in a single
        jurisdiction) affecting credit.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s Finance Committee, responsible for
        asset/liability management (ALM) issues, recommends an investment policy to the Company&#8217;s Board of Directors (BOD) and approves the strategic asset allocation and accompanying investment mandates for an asset manager with respect to asset class.
        The investment policy and accompanying investment mandates specify asset allocation among major asset classes and the degree of asset manager flexibility for each asset class. The investment policy complies, at a minimum, with state statutes.
        Compliance with the policy is monitored by the Finance Committee who is responsible for implementing internal controls and procedures. Deviations from the policy are monitored and addressed. The Finance Committee and, subsequently, the BOD review
        the investment policy at least annually. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To further mitigate this risk, internal
        concentration limits based on credit rating and sector are established and are monitored regularly. Any ultimate obligor group exceeding these limits is placed on a restricted list to prevent further purchases, and the excess exposure may be
        actively sold down to comply with concentration limit guidelines. Any exceptions require Chief Risk Officer approval and monitoring by the Risk Committee. Further, the Company performs a quarterly concentration risk calculation to ensure compliance
        with the State of Minnesota insurance regulations.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(c)&#160;&#160;&#160;&#160;Liquidity Risk</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Liquidity risk is the risk that unexpected timing or
        amounts of cash needed will require liquidation of assets in a market that will result in a realized loss or an inability to sell certain classes of assets such that an insurer will be unable to meet its obligations and contractual guarantees.
        Liquidity risk also includes the risk that in the event of a company liquidity crisis, refinancing is only possible at higher interest rates. Liquidity risk can be </font></div>
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        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 25 of 69</font></div>
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      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">affected by the maturity of liabilities, the
        presence of withdrawal penalties, the breadth of funding sources, and terms of funding sources. It can also be affected by counterparty collateral triggers as well as whether anticipated liquidity sources, such as credit agreements, are cancelable.
      </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company manages liquidity within four specific
        domains: (1) monitoring product development, product management, business operations, and the investment portfolio; (2) setting ALM strategies; (3) managing the cash requirements stemming from the Company&#8217;s derivative dynamic economic hedging
        activities; and (4) establishing liquidity facilities to provide additional liquidity. The Company has established liquidity risk limits, which are approved by the Company&#8217;s Risk Committee, and the Company monitors its liquidity risk regularly. The
        Company also sets target levels for the liquid securities in its investment portfolio.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(d)&#160;&#160;&#160;&#160;Interest Rate Risk</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Interest rate risk is the risk that movements in
        interest rates or interest rate volatility will cause a decrease in the value of an insurer&#8217;s assets relative to the value of its liabilities and/or an unfavorable change in prepayment activity resulting in compressed interest margins.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has an ALM strategy to align cash flows
        and duration of the investment portfolio with policyholder liability cash flows and duration. The Company further limits interest rate risk on variable annuity guarantees through interest rate hedges. The Company monitors the economic and
        accounting impacts of interest rate sensitivities on assets and liabilities regularly. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(e)&#160;&#160;&#160;&#160;Equity Market Risk</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Equity market risk is the risk that movements in
        equity prices or equity volatility will cause a decrease in the value of an insurer&#8217;s assets relative to the value of its liabilities. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The policy value of the fixed-indexed universal
        life, fixed-indexed annuity, and variable-indexed annuity products is generally linked to equity market indices. The Company economically hedges this exposure with derivatives. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Variable annuity products guarantee minimum payments
        regardless of market movements. The Company has adopted an economic hedging program to manage the equity risk of these products. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company monitors the impacts of equity
        sensitivities on assets and liabilities regularly.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Basis risk is the risk that variable annuity hedge
        asset values change unexpectedly relative to the value of the underlying separate account funds of the variable annuity contracts. Basis risk may arise from the Company&#8217;s inability to directly hedge the underlying investment options of the variable
        annuity contracts. The Company regularly reviews and synchronizes fund mappings, product design features, hedge design, and manages funds line-up.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(f)&#160;&#160;&#160;&#160;Operational Risk</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Operational risk is the risk of loss resulting from
        inadequate or failed internal processes and systems, from human misbehavior or error, or from external events. Operational risk is comprised of the following seven risk categories: (1) external fraud; (2) internal fraud; (3) employment practices
        and workplace safety; (4) clients/third-party, products and business practices; (5) damage to physical assets; (6) business disruption and system failure; and (7) execution, delivery, and process management. Operational risk is comprehensively
        managed through a combination of core qualitative and quantitative activities. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Operational Risk Management framework includes
        the following key activities: (1) an Operational Risk Capital Model covering all material types of operational risks, under which the Company quantifies and regularly monitors operational risk; (2) a loss data capture policy to create transparency
        and gather information about losses that meet a designated threshold, requiring business owners to identify and resolve the root cause of operational loss events; and (3) a bottom-up risk assessment process for significant operational risk
        scenarios to proactively manage significant operational risk scenarios throughout the organization. </font></div>
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        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 26 of 69</font></div>
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      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
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    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(g)&#160;&#160;&#160;&#160;Regulatory Change Risk</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Regulatory change risk is the risk that regulatory
        changes and imposed regulation may materially impact the Company's business model, sales levels, company financials and ability to effectively comply with regulations. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company actively monitors all regulatory changes
        and participates in national and international discussions relating to legal, regulatory, and accounting changes. The Company maintains active membership with various professional and industry trade organizations. A formal process exists to review,
        analyze, and implement new legislation as it is enacted. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-indent:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(h)&#160;&#160;&#160;&#160;Rating Agency Risk</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:120%"> </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Rating agency risk is the risk that rating agencies
        change their outlook or rating of the Company or a subsidiary of the Company. The rating agencies generally utilize proprietary capital adequacy models in the process of establishing ratings for the Company. The Company is at risk of changes in
        these models and the impact that changes in the underlying business that it is engaged in can have on such models. To mitigate this risk, the Company maintains regular communications with the rating agencies and evaluates the impact of significant
        transactions on such capital adequacy models and considers the same in the design of transactions to minimize the adverse impact of this risk. Rating agency capital is calculated and analyzed at least annually. Rating agency risk is also addressed
        in the TRA process and on an ad hoc basis as necessary. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(i)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Mortality/Longevity Risk</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Mortality/longevity risk is the risk that mortality
        experience is different than the life expectancy assumptions used by the Company to price its products. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company mitigates mortality risk primarily
        through reinsurance, whereby the Company cedes a significant portion of its mortality risk to third parties. The Company also manages mortality risk through the underwriting process. Both mortality and longevity risks are managed through the review
        of life expectancy assumptions and experience in conjunction with active product management. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(j)&#160;&#160;&#160;&#160;Lapse Risk</font></div>
    <div style="margin-bottom:10pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Lapse risk is the risk that actual lapse experience
        evolves differently than the assumptions used for pricing and valuation exercises leading to a significant loss in Company value and/or income. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company mitigates this risk by performing
        sensitivity analysis at the time of pricing to affect product design, adding Market Value Adjustments and surrender charges when appropriate, regular ALM analysis, and exercising management levers at issue, as well as post-issue as experience
        evolves. Policyholder experience is monitored regularly.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(k)&#160;&#160;&#160;&#160;Cyber Security Risk</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Cyber security risk is the risk of losses due to
        external and/or internal attacks impacting the confidentiality, integrity, and/or availability of key systems, data, and processes reliant on digital technology. The Company has implemented preventative, detective, response, and recovery measures
        including firewalls, intrusion detection and prevention, advanced malware detection, spyware and anti-virus software, email protection, network and laptop encryption, web content filtering, web application firewalls, and regular scanning of all
        servers and network devices to identify vulnerabilities. Controls are implemented to prevent and review unauthorized access. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(l)&#160;&#160;&#160;&#160;Reinsurance Risk</font></div>
    <div style="margin-bottom:10pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Reinsurance risk is the risk that reinsurance
        companies default on their obligation where the Company has ceded a portion of its insurance risk. The Company uses reinsurance to limit its risk exposure to certain business lines and to enable better capital management. </font></div>
    <div style="margin-bottom:10pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Reinsurance contracts do not relieve the Company
        from its obligations to policyholders. Failure of reinsurers to honor their obligations could result in losses to the Company. </font></div>
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        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 27 of 69</font></div>
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      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company mitigates this risk by requiring certain
        counterparties to post collateral to cover the exposure and to meet thresholds related to the counterparty&#8217;s credit rating, exposure, or other factors. For counterparties that are not initially required to post collateral, if the thresholds are not
        met by those counterparties, they are required to establish a trust or letter of credit backed by assets meeting certain quality criteria. All arrangements are regularly monitored to determine whether trusts or letters of credit are sufficient to
        support the ceded liabilities and that their terms are being met. In addition, the Company reviews the financial standings and ratings of its reinsurance counterparties and monitors concentrations of credit risk to minimize its exposure to
        significant losses from reinsurer insolvencies regularly.</font></div>
    <div style="margin-bottom:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(5)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Investments</font></div>
    <div style="margin-bottom:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(a)&#160;&#160;&#160;&#160;Bonds, Other Assets Receiving Bond Treatment, and Stocks</font></div>
    <div style="margin-bottom:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, the amortized cost, gross unrealized gains, gross
        unrealized losses, and fair values of investments, excluding investments in affiliates, are shown below: </font></div>
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            <td style="width:12.923%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.634%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.756%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.634%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.923%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.634%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.095%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized cost</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Gross unrealized gains</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Gross unrealized losses</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Fair value</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">U.S.
                government</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,218&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">37&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">474&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,781&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Agencies not backed by the full faith and credit of the U.S. government</font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">States and
                political subdivisions</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,028&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">92&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">410&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,710&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Foreign
                governments</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,455&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">30&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">298&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,187&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Corporate
                securities</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">71,359&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">740&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,260&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">65,839&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Mortgage-backed




                securities</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,191&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">49&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">486&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,754&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Collateralized




                debt obligations</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">12&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 57.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total bonds</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">90,265&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">954&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,928&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">83,291&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Common stocks</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">309&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">323&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 48.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">90,574&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">976&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,936&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">83,614&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-top:5pt;padding-left:54pt"><br>
    </div>
    <div style="padding-left:54pt">
      <table id="z60ac1a1ed4084692b397f730af1e7d5f" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.189%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:38.462%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.146%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.041%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.641%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.873%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.641%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.041%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.641%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.214%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized cost</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Gross unrealized gains</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Gross unrealized losses</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Fair value</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">U.S.
                government</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,492&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">535&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,959&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Agencies not backed by the full faith and credit of the U.S. government</font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">States and
                political subdivisions</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,768&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">76&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">600&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,244&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Foreign
                governments</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,949&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">336&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,615&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Corporate
                securities</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">69,765&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">315&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9,191&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">60,889&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Mortgage-backed




                securities</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,287&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">29&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">645&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,671&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Collateralized




                debt obligations</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">12&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">20&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 57.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total bonds</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">90,275&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">432&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">11,307&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">79,400&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Common stocks</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">260&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">17&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">251&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 48.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">90,535&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">440&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">11,324&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">79,651&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:54pt"><br>
    </div>
    <div style="height:58.5pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 28 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023, amortized cost differed from the carrying
        value of bonds on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus due to NAIC-6 rates bonds where the market value was lower than amortized cost. The total unrealized losses recorded by the Company for these bonds
        was $1 as of December&#160;31, 2023 and $1 as of December&#160;31, 2022. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company had NAIC-6 rated bonds with a statement
        value of $29 and $2 as of December&#160;31, 2023 and 2022, respectively. There was no interest due on bonds in default, which was excluded from investment income due and accrued as of December&#160;31, 2023 and 2022.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023 and 2022, the Company had
        hybrid securities with a carrying value of $0 and $0, respectively.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2023 and 2022, investments with a
        statement value of $31 and $32, respectively, were held on deposit with various insurance departments and in other trusts as required by statutory regulations.&#160;&#160;&#160;&#160;</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The amortized cost and fair value of bonds and other
        assets receiving bond treatment reported in the statutory Annual Statement Schedule D Part 1A at December&#160;31, 2023, by contractual maturity, are shown below:</font></div>
    <div style="margin-top:5pt;padding-left:54pt">
      <table id="z74719945f93049a29f6d02e2004099d2" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.939%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:59.000%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:18.432%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.634%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:18.434%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Carrying<br>
                value</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Fair value</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Due in 1 year or less</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,099&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,088&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Due after 1 year through
                5 years</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10,139&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9,866&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Due after 5 years
                through 10 years</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,704&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">15,562&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Due after 10 years
                through 20 years</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">26,912&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">25,675&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Due after 20 years</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">27,668&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">23,932&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">No maturity date</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,540&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,395&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:6pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Mortgage-backed and other structured securities</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,203&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,773&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total bonds and
                other assets receiving bond treatment</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">90,265&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">83,291&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Expected maturities will differ from contractual
        maturities, because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Proceeds from sales of bonds includes sales,
        maturities, paydowns, and other redemptions of bonds and other assets receiving bond treatment. Proceeds from sales of bonds for the years ended December 31 are shown below: </font></div>
    <div style="margin-top:5pt;padding-left:54pt">
      <table id="z133c0565d3f54a24befd99a54c522d00" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.789%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:53.247%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.636%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.615%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.636%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.114%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.636%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.116%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Proceeds from sales</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">14,591&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19,619&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">30,577&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Gross gains</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">111&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">251&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,313&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Gross losses</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">487&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">475&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">101&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Proceeds from sales of common stocks for the years
        ended December 31 are shown below:</font></div>
    <div style="margin-top:5pt;padding-left:54pt">
      <table id="ze1c213813178493bb82607f079615020" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.789%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:53.247%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.636%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.615%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.636%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.114%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.636%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.116%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Proceeds from sales</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">144&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">98&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">241&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Gross gains</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">11&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Gross losses</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Proceeds from sales of preferred stocks for the
        years ended December 31 are shown below:</font></div>
    <div style="margin-top:5pt;padding-left:54pt;text-align:justify">
      <table id="zff05baaaa80140dca777f1986f783562" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.789%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:53.247%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.636%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.615%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.636%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.114%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.636%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.116%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Proceeds from sales</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">40&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Gross gains</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Gross losses</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="height:58.5pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 29 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the years ended December&#160;31, 2023 and 2022,
        there were 72 and 174 CUSIPs sold, disposed, or otherwise redeemed as a result of a callable feature, respectively. The aggregate amount of investment income generated as a result of these transactions was $4 and $73 for 2023 and 2022,
        respectively.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s bond portfolio includes
        mortgage-backed securities. Due to the high quality of these investments and the lack of subprime loans within the securities, the Company does not have a material exposure to subprime mortgages.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(b)&#160;&#160;&#160;&#160;Unrealized Investment Losses</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To determine whether or not declines in fair value
        are other than temporary, the Company performs a quarterly review of its entire combined investment portfolio, including investments held by subsidiaries, using quoted market prices by third-party sources. For further discussion, see Notes&#160;2 and 6.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Unrealized losses and the related fair value of
        investments held by the Company for the years ended December 31 are shown below: </font></div>
    <div style="margin-top:5pt;padding-left:54pt">
      <table id="zb956e24699e84ff381e062e9cc2b13db" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:91.741%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:31.142%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.618%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.374%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.618%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.374%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.618%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.374%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.618%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.374%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.618%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.374%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.618%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.380%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="33"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">12 months or less</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Greater than 12 months</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unrealized losses</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unrealized losses</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unrealized losses</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bonds:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S.
                government</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">77&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,535&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">473&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,612&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">474&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 16.75pt;text-align:left;text-indent:-9pt;vertical-align:top" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Agencies




                not backed by the full faith and credit of the U.S. government</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign
                government</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">165&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,453&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">293&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,618&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">298&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">States and
                political subdivisions</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">534&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,641&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">400&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,175&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">410&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate
                securities</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,334&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">144&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,962&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,116&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48,296&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,260&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed




                securities</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">177&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,067&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">483&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,244&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">486&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total bonds</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,287&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">163&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56,660&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,765&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61,947&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,928&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Common stock</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total
                temporarily impaired securities</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,288&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">163&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56,699&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,773&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61,987&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,936&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:54pt">
      <table id="z5b8f7e034d3e4a7b9b3be1d214d34018" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:91.591%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:31.031%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.619%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.391%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.619%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.391%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.619%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.391%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.619%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.391%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.619%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.391%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.619%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.400%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="33"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">12 months or less</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Greater than 12 months</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unrealized losses</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unrealized losses</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unrealized losses</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bonds:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S.
                government</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,023&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">319&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">744&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">216&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,767&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">535&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 16.75pt;text-align:left;text-indent:-9pt;vertical-align:top" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Agencies




                not backed by the full faith and credit of the U.S. government</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign
                government</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,105&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">202&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">423&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">134&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,528&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">336&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">States and
                political subdivisions</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,770&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">574&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,819&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">600&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate
                securities</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46,456&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,027&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,507&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,164&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53,963&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,191&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed




                securities</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,912&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">524&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">512&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">121&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,424&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">645&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total bonds</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60,268&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,646&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,235&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,661&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69,503&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,307&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Common stock</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">85&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">107&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total
                temporarily impaired securities</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60,353&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,657&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,257&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,667&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69,610&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,324&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2023 and 2022, the number of investment holdings
        that were in an unrealized loss position was 5,164 and 5,895, respectively, for bonds, and 24 and 30, respectively, for common stocks.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2023 and 2022, of the total
        amount of unrealized losses, $7,766, or 97.9%, and $11,091, or 97.9%, respectively, are related to unrealized losses on investment grade securities. Investment grade is defined as a security having an NAIC SVO credit rating of 1 or 2. Unrealized
        losses on securities are principally related to changes in interest rates or changes in sector spreads from the date of purchase. As contractual payments continue to be met, management continues to expect all contractual cash flows to be received
        and does not consider these investments to be other-than-temporarily impaired. </font></div>
    <div style="height:58.5pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 30 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(c)&#160;&#160;&#160;&#160;Realized Investment Gains (Losses)</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net realized capital gains (losses) for the years
        ended December&#160;31 are shown below:</font></div>
    <div style="margin-top:5pt;padding-left:54pt">
      <table id="z51791e825144458d842de3a0370ae6de" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:90.090%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:52.233%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.066%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.233%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.402%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(449)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(308)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,199&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Stocks</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">11&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Mortgage Loans</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(46)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(46)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(8)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Real estate</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Derivatives</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(819)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2,118)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,883&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">63&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">184&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(39)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                realized capital (losses) gains</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,248)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2,285)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,046&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Income tax benefit
                (expense) on net realized gains (losses)</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">102&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">43&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(249)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                realized capital (losses) gains, net of taxes</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,146)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(2,242)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,797&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net (losses) gains
                transferred to IMR, net of taxes</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(349)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(256)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">941&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net realized
                (losses) gains, net of taxes and IMR</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(797)</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1,986)</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,856&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(d)&#160;&#160;&#160;&#160;Net Investment Income</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Major categories of net investment income for the
        years ended December&#160;31 are shown below:</font></div>
    <div style="margin-top:5pt;padding-left:54pt">
      <table id="z131f35a03f004c148b844e448b319225" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.939%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:52.322%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.425%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.634%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.424%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.634%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.761%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Interest:</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,078&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,783&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,233&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Mortgage
                loans on real estate</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">743&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">703&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">682&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Policy loans</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">13&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">12&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cash, cash
                equivalents, and short-term investments</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">162&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">23&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Dividends:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Stocks</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">13&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">13&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Investment
                in subsidiaries</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">101&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">77&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">51&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Rental income on real
                estate</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">21&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">21&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">20&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Derivatives</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(65)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">37&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">21&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(92)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Gross
                investment income</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,092&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,659&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,956&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Investment expenses</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(304)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(155)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(137)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                investment income before amortization of IMR</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,788&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,504&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,819&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Amortization of IMR</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">34&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">40&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">47&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net
                investment income</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,822&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,544&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,866&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Interest income due and
        accrued for the years ended December 31 was as follows:</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify">
      <table id="z48466f51abb54eab9989fd4f6ce7d41e" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:77.177%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:61.156%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:17.382%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.578%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:17.384%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Gross</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,471&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,273&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Nonadmitted</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Admitted</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,471&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,273&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company had no
        aggregate deferred interest as of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023 and 2022.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><br>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><br>
    </div>
    <div style="height:58.5pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 31 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company had the
        following cumulative amounts of paid-in-kind (PIK) interest included in the current principal balance as of </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31,
        2023 and 2022:</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify">
      <table id="z3af18ac386194cbdb6c043d739352a3b" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:87.387%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:53.882%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:21.064%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.487%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:21.067%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cumulative amounts of
                PIK interest included in the current principal balance</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(e)&#160;&#160;&#160;&#160;Mortgage Loans on Real Estate </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company's investment in mortgage loans on real
        estate includes CMLs and RMLs at December&#160;31, 2023 and 2022. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023 and 2022, the Company's CML
        portfolio includes concentrations exceeding 10% for the following states:</font></div>
    <div style="margin-top:5pt;padding-left:54pt">
      <table id="zf3d8631594154852b8af7911db0e86ec" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:90.090%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:36.733%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.233%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.233%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.233%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.235%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="6"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="6"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Concentration Amount</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Concentration %</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Concentration Amount</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Concentration %</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">California</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,516&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">21.6&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,545&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22.4&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The maximum lending rates for CMLs made during 2023
        and 2022 were 9.1% and 6.6%, respectively. The minimum lending rates for CMLs made during 2023 and 2022 were 3.9% and 2.8%, respectively. The maximum percentage of any one loan to the value of security at the time of the loan extension exclusive of
        insured, guaranteed or purchased money mortgages was 109.7% and 76.5% during 2023 and 2022, respectively.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023 and 2022, the Company's RML
        portfolio includes concentrations exceeding 10% for the following states:</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify">
      <table id="z76835c6a629043739bdd8a37293a33d7" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:90.090%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:36.733%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.233%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.233%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.233%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.235%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="6"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="6"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Concentration Amount</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Concentration %</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Concentration Amount</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Concentration %</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">California</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">541&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">29.5&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">546&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">29.2&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">New York</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">231&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">12.6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">238&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">12.7&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The maximum lending rates for RMLs made during 2023
        and 2022 was 14.0% and 12.0%, respectively. The minimum lending rates for RMLs made during 2023 and 2022 was 2.8% and 2.8%, respectively. The maximum percentage of any one loan to the value of security at the time of the loan extension exclusive of
        insured, guaranteed or purchased money mortgages for RMLs was 172.8% and 160.9% during 2023 and 2022, respectively.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2023 and 2022, there were $2 and
        $0, respectively of taxes, assessments, or amounts advanced that were excluded from the mortgage loan investment total.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(1)&#160;&#160;&#160;&#160;Age
        Analysis of Mortgage Loans</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents an age analysis of the
        Company's mortgage loan investments as of December&#160;31, 2023 and 2022 by type:</font></div>
    <div style="height:58.5pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 32 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-top:5pt;padding-left:54pt">
      <table id="z20fdf5ff838c4fc29b0f495eca15188e" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.189%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:35.095%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.883%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.913%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.641%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.883%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.885%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="6"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="6"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Residential</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Commercial</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Residential</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Commercial</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Current</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,786&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,225&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,799&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">15,855&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">30-59 Days Past Due</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">27&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">60-89 Days Past Due</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">90-179 Days Past Due</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">180+ Days Past Due</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">30&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">56&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">23&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,834&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,281&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,873&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">15,855&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company had the following allowance for credit
        losses as of December 31:</font></div>
    <div style="margin-bottom:6pt;margin-top:1pt;padding-left:90pt;text-align:justify;text-indent:-36pt">
      <table id="ze13d8ce26cfe4f9ab9fafe36f1d347de" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.189%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:64.556%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.735%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.473%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.736%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt 0 10pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Balance at beginning of
                period</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Additions charged to operations</font></td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Direct
                write-downs charged against the allowances</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Recoveries of amounts previously charged
                off</font></td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Balance at end
                of period</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There were no mortgage loan investments greater than
        90 days past due and still accruing interest as of December&#160;31, 2023 and 2022.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There were no mortgage loan investments for which
        interest was reduced as of December&#160;31, 2023 and 2022.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2023 and 2022 there were no RMLs
        in which the Company participated as a co-lender in a mortgage loan agreement. As of December&#160;31, 2023 and 2022, for CML investments, the recorded investment for which the Company participated as a co-lender in a mortgage loan agreement was $2,338
        and $2,505, respectively. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:36pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(2) Impaired Mortgage Loans&#160;&#160;&#160;&#160;</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the years ended December&#160;31, 2023, and 2022, the
        recorded investment in impaired CMLs was $56, and $69, respectively. The average recorded investment in impaired mortgage loans for the year ended December&#160;31, 2023, and 2022 was $91 and $69, respectively. There was no related allowance for credit
        losses on these investments and the Company did not participate as a co-lender in the related mortgage loan agreement. The recorded investment in impaired CMLs in nonaccrual status was $56 and $0 for the years ended December&#160;31, 2023 and 2022,
        respectively. There was no recorded investment in impaired RMLs for the years ended December&#160;31, 2023, and 2022. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There was $7, $5 and $0 interest income recognized
        on impaired mortgage loans for the years ended December&#160;31, 2023, 2022 and 2021, respectively. The Company recognizes interest income on its impaired mortgage loans upon receipt of payment.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2023 and 2022, the Company
        derecognized mortgage loans as a result of foreclosure of $3 and $0, respectively. </font></div>
    <div style="padding-left:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(3) Credit Quality Indicators</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company analyzes certain financing receivables
        for credit risk by using specific credit quality indicators. The Company has determined the loan-to-value ratio and the debt service coverage ratio are the most reliable indicators in analyzing the credit risk of its CML portfolio. The
        loan-to-value ratio is based on the Company&#8217;s internal valuation methodologies, including discounted cash flow analysis and comparative sales, depending on the characteristics of the property being evaluated. The debt service coverage ratio
        analysis is normalized to reflect a 25&#160;year amortization schedule. </font></div>
    <div style="height:58.5pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 33 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The credit quality of CMLs as of December&#160;31 is
        shown below:</font></div>
    <div style="margin-top:5pt;padding-left:54pt;text-align:justify">
      <table id="z44ae8b3f32ab48dda8479c561e1c188f" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.789%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:20.806%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.107%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.636%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.107%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.970%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.940%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.970%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.107%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.636%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.441%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.636%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.944%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Debt Service Coverage Ratios</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Greater than 1.4x</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">1.2x &#8211; 1.4x</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">1.0x &#8211; 1.2x</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Less than 1.0x</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Total</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Percent of Total</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Loan-to-value ratios:</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Less than 50%</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,071&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">274&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">278&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">171&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,794&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">41.7&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">50% &#8211; 60%</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,211&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">762&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">370&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">198&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,541&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">40.2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">60% &#8211; 70%</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,953&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">325&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">114&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">148&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,540&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">15.6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">70% &#8211; 80%</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">109&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">124&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">233&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.4&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">80% &#8211; 90%</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">50&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">50&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">90% &#8211; 100%</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">63&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">63&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.4&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Greater than
                100%</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">60&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">60&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">13,344&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,361&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,059&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">517&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,281&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>

      </table>
    </div>
    <div style="padding-left:54pt;text-align:justify">
      <table id="z8f85893d90224d2ba22ea2e66ef16759" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.639%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:21.010%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.127%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.637%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.127%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.637%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.127%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.637%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.127%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.637%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.132%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.637%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.465%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Debt Service Coverage Ratios</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Greater than 1.4x</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">1.2x &#8211; 1.4x</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">1.0x &#8211; 1.2x</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Less than 1.0x</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Total</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Percent of Total</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Loan-to-value ratios:</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Less than 50%</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,784&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">82&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">376&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">676&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,918&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">37.3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">50% &#8211; 60%</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,298&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">896&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">202&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">950&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6,346&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">40.0&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">60% &#8211; 70%</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,201&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">571&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">223&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">464&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,459&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">21.8&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">70% &#8211; 80%</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">90&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">28&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">14&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">132&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.9&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">80% &#8211; 90%</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">90% &#8211; 100%</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Greater than
                100%</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">11,373&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,577&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">801&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,104&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">15,855&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>

      </table>
    </div>
    <div style="padding-left:54pt;text-align:justify"><br>
    </div>
    <div style="padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has determined the delinquency status and the loan-to-value ratio are the
        most reliable indicators in analyzing the credit risk of its RML portfolio. The loan-to-value ratio is based on the Company's internal valuation methodologies, including discounted cash flow analysis and comparative sales, depending on the
        characteristics of the property being evaluated. </font></div>
    <div style="padding-left:54pt;text-align:justify"><br>
    </div>
    <div style="padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The loan-to-value ratios of RMLs as of December 31 are shown below:</font></div>
    <div style="padding-left:54pt;text-align:justify"><br>
    </div>
    <div style="padding-left:54pt;text-align:justify">
      <table id="z288330e2ad394d63841d446e7826c89a" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.339%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:20.916%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:17.891%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.472%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:17.891%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.472%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:17.891%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.472%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:17.895%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt 2px 73pt;text-align:left;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt 2px 73pt;text-align:left;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Total</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Percent of Total</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Total</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Percent of Total</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Loan-to-value ratios:</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Below 70%</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">659&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">35.9&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">604&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">32.2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">70% to 79%</font></td>
            <td style="padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">959</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">52.3&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,043&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">55.7&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">80% to 89%</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">197</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10.7&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">208</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">11.1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">90% to 95%</font></td>
            <td style="padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">12</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.7&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.9&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Above 95%</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="padding:2px 1pt 2px 25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
            <td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,834&#160;</font></td>
            <td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,873&#160;</font></td>
            <td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100.0&#160;</font></td>
            <td style="border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>

      </table>
    </div>
    <div style="height:58.5pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 34 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:36pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(4) Restructured Mortgage Loans</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For impaired mortgage loans that are not in default,
        the Company recognizes and records interest income as earned. For impaired mortgage loans that are in default, the accrued interest on the loan is recorded as investment income due and accrued if deemed collectible by the Company. If an impaired
        mortgage loan in default has any investment income due and accrued which is 180 days past due and collectible, the investment income continues to accrue, but all interest related to the loan is reported as a nonadmitted asset. If accrued interest
        on an impaired mortgage loan in default is not collectible, the accrued interest is written off immediately and no further interest is accrued.</font></div>
    <div style="padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:116%">During 2023, two CMLs, which were both supported by a single property and with a
        total principal balance at time of restructure of $74, were modified in a way that met the definition of a troubled debt restructuring under SSAP No. 36. The modification of the CMLs resulted in a portion of the existing carrying values of the loan
        being written off, alongside a partial principal paydown on the remaining principal of the loans. Additionally, the loans were modified to reflect a new interest rate and a new term for the loan. Upon modification, the Company wrote off $19 of the
        existing loans&#8217; principal, while receiving an immediate principal paydown of $17, resulting in a single loan with a new principal balance of $38. These mortgage loans had not defaulted prior to being restructured.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company had the following recorded investments,
        realized capital losses, and contractual commitments related to restructured loans as of December 31:</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify;text-indent:54pt">
      <table id="zf2f50b2c718249199956d3f86f33e1af" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:86.336%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:65.508%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.595%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.495%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.902%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">The total recorded
                investment in restructured loans, as of year-end</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">38&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">The realized capital losses related to these
                loans</font></td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total contractual
                commitments to extend credit to debtors owing receivables whose terms have been modified in troubled debt restructuring</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(f)&#160;&#160;&#160;&#160;Loan-Backed Securities</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">SSAP No.&#160;43R requires the bifurcation of impairment
        losses on loan-backed or structured securities into interest and noninterest-related portions. The noninterest portion is the difference between the present value of cash flows expected to be collected from the security and the amortized cost basis
        of the security. The interest portion is the difference between the present value of cash flows expected to be collected from the security and its fair value at the balance sheet date.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company recognized loan-backed securities in
        OTTI for the years ended December&#160;31, 2023, 2022, and 2021as follows:</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify">
      <table id="z86ee76d813304f62a0458c1b6629bef1" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.438%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:39.137%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.331%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.479%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.331%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.479%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.331%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.479%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.333%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">OTTI Recognized in Loss</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year ended</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amortized Cost Basis
                Before OTTI</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Interest</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Non-Interest</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair Value </font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">OTTI




                Recognized:</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Intent to sell</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Annual aggregate
                total</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</font></td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Intent to sell</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">136&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Annual aggregate
                total</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">136&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2021</font></td>
            <td style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Intent to sell</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Annual aggregate
                total</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><br>
    </div>
    <div style="height:58.5pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 35 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(g)&#160;&#160;&#160;&#160;Derivatives and Hedging Instruments </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company uses exchange-traded and OTC derivative
        instruments as a risk management strategy to economically hedge its exposure to various market risks associated with both its products and operations. Derivative assets and liabilities that do not qualify for hedge accounting treatment are recorded
        at fair value in the Statutory Financial Statements using valuation techniques further discussed in Note 6.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company does not have derivative contracts with
        financing premium as of December&#160;31, 2023 and 2022.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Derivatives held by the Company are designated as
        either a fair value hedging instrument (fair value hedge), a cash flow hedging instrument (cash flow hedge), or a nonqualified hedging instrument (nonqualifying strategies).</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(1) Cash Flow Hedges</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:40.5pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:120%"> </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Foreign Currency Swaps on Debt Securities </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Foreign currency swaps have notional amounts and
        maturity dates equal and offsetting to the underlying debt securities and are determined to be highly effective as of December&#160;31, 2023 and 2022. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:36pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(2) Fair Value Hedges</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Interest Rate Swaps on Variable Annuity Insurance
        Liabilities</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">IRS traded after June 2013 are centrally cleared
        through an exchange. For IRS traded prior to June 2013 the IRS exposure was netted with other OTC derivatives upon settlement and were subject to the rules of the International Swaps and Derivatives Association, Inc. agreements. The fair values of
        the collateral posted for OTC and exchange traded derivatives are discussed in the derivative collateral management section below. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Prior to January 1, 2020, the Company designated
        hedge accounting for these IRS as a cash flow hedge under SSAP No. 86. The amounts previously recorded under the SSAP No. 86 relationship continue to be deferred and amortized over the life of the former hedge program. Effective January 1, 2020,
        the Company de-designated its previous hedging relationship under SSAP No. 86 and simultaneously designated the hedging relationship under SSAP No. 108 as a fair value hedge. The relationship is deemed to be highly effective at December&#160;31, 2023.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">&#160;&#160;&#160;&#160;(3) Nonqualifying Strategies</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Futures and Options Contracts</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">OTC options and ETO are cleared through the Options
        Clearing Corporation, which operates under the jurisdiction of both the Securities and Exchange Commission (SEC) and the Commodities Futures Trading Commission. The fair values of the collateral posted for futures, OTC options, and ETO are
        discussed in the derivative collateral management section below.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Interest Rate Swaps</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company can receive the fixed or variable rate;
        IRS are traded in varying maturities. The fair values of the collateral posted and variation margin for OTC and centrally cleared IRS are discussed in the derivative collateral management section below. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Credit Default Swaps </font></div>
    <div style="padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The CDS within the investment portfolios assume credit risk from a single entity or
        referenced index for the purpose of synthetically replicating investment transactions. The Company can be required to pay or be the net receiver on the contract depending on the net position. Credit events include bankruptcy of the reference and
        failure to pay by the reference. As the potential future exposure (PFE) is not determinable, the PFE is zero for the following reasons:</font></div>
    <div style="padding-left:54pt;text-align:justify"><br>
    </div>
    <div style="height:58.5pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 36 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
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    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(a) CDS are used to hedge indices allocated to products by policyholders.
        Fluctuations in value of the CDS are offset by credits provided to policyholders and results in a minimal amount of hedge inefficiency. It is impossible to determine the potential future amount of hedge inefficiency.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(b) The CDS used are exchange traded and daily
        variation margin is required to settle market movements. This minimizes counterparty credit risk. It also makes it impossible to determine what the potential future exposure related to counterparty risk, net of variation margin received could be. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair value of the collateral posted for
        centrally cleared CDS is discussed in the derivative collateral management section below.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Total Return Swaps</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company engages in the use of OTC TRS, </font><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">which allow the parties to exchange cash flows based on a variable reference rate such as the three-month SOFR
        and the return of an underlying index. </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair value of the collateral posted for OTC TRS is discussed in the derivative
        collateral management section below.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">To Be Announced Securities</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company uses OTC TBA forward contracts to gain
        exposure to the investment risk and return of mortgage-backed securities. Typically, the price is agreed upon at the time of the contract and payment for such a contract is made at a specified future date. The fair value of the collateral posted
        for OTC TBA securities is discussed in the derivative collateral management section below. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents a summary of the
        aggregate notional amounts and fair values of the Company&#8217;s derivative instruments reported on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus as of December 31: &#160;&#160;&#160;&#160;</font></div>
    <div style="margin-top:5pt;padding-left:54pt;text-align:justify">
      <table id="z99346cfcdbcc4c70aa4f974fccba816f" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:90.390%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:31.292%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.630%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.361%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.630%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.866%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.630%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.866%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.630%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.195%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.630%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.866%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.630%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.874%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Fair Value</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Fair Value</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Notional</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Assets</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Liabilities</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Notional</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Assets</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Liabilities</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cash flow hedging
                instruments</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign currency swaps</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,048&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">143&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,959&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">243&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total cash
                flow hedging instruments</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">143&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">243&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr style="height:11pt">
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value hedging
                instruments</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">IRS</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">76,595&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(206)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69,692&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(211)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total fair
                value hedging instruments</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(206)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(211)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr style="height:11pt">
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Nonqualifying hedging
                instruments</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">OTC options</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51,904&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,895&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,383)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,355&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">670&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(494)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ETO</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,191&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">76&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(182)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,185&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">TBA securities</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">457&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,071&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">IRS </font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">425&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,762&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Futures</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,988&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,405&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">TRS</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,953&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">138&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(42)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,459&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 10.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total
                nonqualifying hedging instruments</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,116&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,620)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">709&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(535)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total derivative
                instruments</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,278&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,835)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">973&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(747)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr style="height:11pt">
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="39">
              <div style="margin-bottom:2pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> Notional amounts are presented on an absolute basis.</font></div>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
          </tr>

      </table>
    </div>
    <div style="margin-top:3pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Derivative Collateral Management</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company manages derivative collateral for the
        general account and separate account combined. Additionally, said derivative collateral is managed separately between exchange-traded and OTC derivatives. The total collateral posted for exchange-traded derivatives at December&#160;31, 2023 and 2022,
        had a fair value of $2,312 and $1,203, respectively, and is included in Bonds on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus and recorded at amortized cost. The Company retains ownership of the </font></div>
    <div style="height:58.5pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 37 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">exchange-traded collateral, but the collateral
        resides in an account designated by the exchange. The collateral is subject to specific exchange rules regarding rehypothecation. The total collateral posted for OTC derivatives at December&#160;31, 2023 and 2022, had a fair value of $44 and $25,
        respectively, and is included in Bonds on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus and recorded at amortized cost. The Company posts collateral to OTC counterparties based upon exposure amounts. The Company
        retains ownership of the OTC collateral.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(h)&#160;&#160;&#160;&#160;Offsetting Assets and Liabilities</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company elects to disclose derivative assets and
        liabilities eligible for offset under SSAP No.&#160;64 &#8211; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Offsetting and Netting of Assets and Liabilities</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> on a gross basis on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus in accordance with the provisions
        set forth in SSAP No.&#160;86. This treatment is consistent with the Company&#8217;s historical reporting presentation.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(i)&#160;&#160;&#160;&#160;Securities Lending</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company loaned securities with a carrying value
        of $2,835 and $2,510 and a fair value of $2,612 and $2,102 as of December&#160;31, 2023 and 2022, respectively. The aggregate amount of collateral received through securities lending at December&#160;31 is as follows: </font></div>
    <div style="margin-top:5pt;padding-left:54pt">
      <table id="z88f243d7cd2c45b095ae042243035859" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:90.090%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:58.900%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:18.066%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:18.068%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Fair Value</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cash</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Open</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,600&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,892&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">30 days or
                less</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">31 to 60
                days</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">61 to 90
                days</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Greater than
                90 days</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subtotal</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,600&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,892&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Securities received</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">74&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">263&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                collateral received</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,674&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,155&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The aggregate amount of cash collateral reinvested
        through securities lending at December&#160;31 is as follows: </font></div>
    <div style="margin-top:5pt;padding-left:54pt">
      <table id="z546a00a336154b3a80f7f7159f70e0b4" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.639%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:38.598%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.637%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.137%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.637%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.137%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.637%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.137%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.637%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.143%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized cost</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Fair value</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Amortized cost</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Fair value</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Open</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">30 days or less</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,373&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,374&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">969&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">969&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">31 to 60 days</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">439&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">439&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">338&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">338&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">61 to 90 days</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">11&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">11&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">26&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">26&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">91 to 120 days</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">195&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">195&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">117&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">117&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">121 to 180 days</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">189&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">189&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">156&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">156&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">181 to 365 days</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">393&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">393&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">286&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">287&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Greater than 1 year</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                collateral reinvested</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,600&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,601&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,892&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,893&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2023 and 2022, the Company had no
        borrowings outstanding from collateral securities lending. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Reinvested collateral is recorded in Other invested
        assets on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The amount and type of reinvested collateral at December 31 is as follows:</font></div>
    <div style="height:58.5pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 38 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-top:5pt;padding-left:54pt">
      <table id="zb5e8da79837642448b37d455e1f0538e" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:90.090%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:59.733%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:18.066%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:18.068%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cash and cash
                equivalents</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,330&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,254&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Short-term investments</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">270&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">638&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,600&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,892&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(j) &#160;&#160;&#160;&#160;Reverse Repurchase
        Agreements</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company participates in both bilateral and
        tri-party repos. As of December&#160;31, 2023 and 2022, the Company did not sell or acquire any securities that resulted in default. The Company did not recognize a liability to return cash collateral as of December&#160;31, 2023 and 2022. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">All collateral received, as of December&#160;31, 2023 and
        2022, were bonds with a designated NAIC-1 rating. Further information related to repos for the years ended December&#160;31, 2023 and 2022, is as follows:&#160;&#160;&#160;&#160;</font></div>
    <div style="margin-top:5pt;padding-left:54pt;text-align:justify">
      <table id="z85e6e89649a9475296c35b7b99e9ec91" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.939%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.425%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.425%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.425%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.425%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:17.430%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.634%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:17.436%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">As of year end</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="9">
              <div style="padding-left:9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1. Maturity</font></div>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="12">
              <div style="padding-left:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">a. Overnight</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,405&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">460&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="12">
              <div style="padding-left:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">b. 2 Days to 1 Week</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="12">
              <div style="padding-left:9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2. Collateral Pledged and Securities Acquired Under Repo</font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="12">
              <div style="padding-left:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">a. Cash Collateral Pledged - Secured Borrowing</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,405&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">460&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="12">
              <div style="padding-left:18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">b. Fair Value of Securities Acquired Under Repo - Secured Borrowing</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,405&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">460&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify">
      <table id="z1f1cc63d311741188966d5da35f0bff7" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.939%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.425%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.425%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.425%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.425%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:17.430%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.634%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:17.436%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Maximum Amount</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1. Maturity</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="12"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">a. Overnight</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,460&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">997&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="12"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">b. 2 Days to 1
                Week</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">15&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">303&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="12"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">c. Greater than
                one week and less than one month</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">100&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="12"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2. Collateral
                Pledged and Securities Acquired Under Repo</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="12"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">a. Cash
                Collateral Pledged - Secured Borrowing</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,460&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,165&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="12"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">b. Fair Value
                of Securities Acquired Under Repo - Secured Borrowing</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,460&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,167&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify;text-indent:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(k)&#160;&#160;&#160;&#160;Non-insurance SCA
        Investments</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A summary of the Company&#8217;s SSAP No. 97 &#8211; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Investments in Subsidiary, Controlled and Affiliated Entities</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, non-insurance SCA investments, including their respective asset value and NAIC filing information, as of December&#160;31, 2023 is as follows: </font></div>
    <div style="margin-top:5pt;padding-left:54pt">
      <table id="zc6e1b9bd6a20467e96dc73366fba348e" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.639%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:26.203%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.637%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.447%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.637%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.447%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.637%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.280%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.637%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.447%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.637%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.280%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.637%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.447%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.637%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.790%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">SCA Name</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Asset</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Non-Admitted Asset</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Net Admitted Assets</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">NAIC Filing Date</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">NAIC Filing Type</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">NAIC Filing Balance</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Re-submission Required?</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">AZLPF</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">704&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">704&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7/25/2023</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">S1</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">721&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">N</font></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">704&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">704&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">XXX</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">XXX</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">721&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">XXX</font></td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(l)&#160;&#160;&#160;&#160;FHLB Agreements </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company held Class A FHLB membership stock of
        $10 and $10 at December&#160;31, 2023 and 2022 and activity stock of $113 and $80 at December&#160;31, 2023 and 2022, respectively. The Company has a fully collateralized borrowings with a balance of $2,500 and $2,000 as of December&#160;31, 2023 and 2022 which
        is recorded in Borrowed money on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. All FHLB transaction activity occurs in the Company's general account.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Securities collateral pledged to FHLB at December 31 is as follows:</font></div>
    <div style="height:58.5pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 39 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-top:5pt;padding-left:54pt">
      <table id="zcb54d7ca175447e9b6fa95959576cf34" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.939%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:58.165%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.634%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:18.432%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.634%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:18.435%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Carrying value</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,229&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,372&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Fair value</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,500&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,308&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The maximum of collateral pledged to FHLB during the year ended
        December 31 was as follows:</font></div>
    <div style="margin-top:5pt;padding-left:54pt">
      <table id="z3a86167563e24fc2b631fef9ffa1dd64" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.939%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:58.165%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.634%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:18.432%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.634%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:18.435%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Carrying value</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,642&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,774&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Fair value</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,087&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,928&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2023 and 2022, the Company had
        $2,500 and $2,000, respectively, in total borrowing capacity under its agreement with the FHLB. The maximum amount of aggregate borrowing from FHLB during the years ended December&#160;31, 2023 and 2022 was $4,085 and $2,400, respectively. Borrowings
        are not subject to prepayment penalties. Outstanding borrowings as of December&#160;31, 2023, were issued on various dates ranging from October 17, 2016 to September 30, 2023 and interest rates on those borrowings range from 0.2% to 6.2%. Interest paid
        on borrowings was $164 and $37 for the years ended December&#160;31, 2023 and 2022, respectively.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(m)&#160;&#160;&#160;&#160;Restricted Assets</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2023 and 2022, the Company had
        the following restricted assets, including assets pledged to others as collateral:</font></div>
    <div style="margin-top:5pt;padding-left:9pt">
      <table id="z889f60318b984c12b8bdfdf78e1c8a24" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.198%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:26.117%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.564%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:6.086%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.564%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:6.086%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.411%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:6.086%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.411%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:6.086%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.564%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:7.309%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.564%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.838%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.564%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.838%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.564%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.848%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Restricted</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Percentage</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total general account</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total separate account</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total current year</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total prior year</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Increase (decrease)</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total current year
                admitted restricted</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross restricted to total assets</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Admitted restricted to total admitted assets</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Collateral held under
                security lending arrangements</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,674&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">760&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,434&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,334&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,434&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.5&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.5&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FHLB capital stock</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">123&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">123&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">123&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">On deposit with states</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">On deposit with other
                regulatory bodies</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pledged as collateral to
                FHLB (including assets backing funding agreements)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,229&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,229&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,372&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">857&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,229&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.8&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivative collateral</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,640&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,640&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,553&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,087&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,640&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.5&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.5&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Reinsurance assets</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,403&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,403&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,143&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,740)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,403&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total restricted assets</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,100&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">760&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,860&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,523&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">337&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,860&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.4&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.4&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr style="height:15pt">
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(n)&#160;&#160;&#160;&#160;Low Income Housing Tax Credits</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2023 the Company had various
        LIHTC investments with a range of 2 to 14 remaining years of unexpired tax credits and no required holding period. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The amount of tax credits and other tax benefits
        recognized during the years ended December&#160;31, 2023, 2022 and 2021 is $57, $52, and $44, respectively.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The balance of the investment recognized in the
        Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus for the years ended December&#160;31, 2023 and 2022 is $394 and $448, respectively. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Additionally, the Company's LIHTC investments
        require a commitment of capital. The Company has open capital commitments of $117 and $207 at December&#160;31, 2023 and 2022, respectively, which are recorded as an unfunded commitment liability in other liabilities. LIHTC commitments are considered an
        open capital commitment beginning when the Company formally commits to fund the LIHTC, but they are not recorded as an unfunded commitment asset and liability until the Company has begun funding the LIHTC.</font></div>
    <div style="height:58.5pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 40 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:1pt;padding-left:36pt;text-align:justify;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(o)&#160;&#160;&#160;&#160;Joint
        Ventures</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has no
        investments in joint ventures, partnerships or limited liability companies that exceed 10% of its admitted assets. </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The
        Company recognized impairments on joint ventures of $2 and $0 for the years ended December&#160;31, 2023 and 2022, respectively.</font></div>
    <div style="padding-left:54pt;text-align:justify"><br>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(6)&#160;&#160;&#160;&#160;Fair Value Measurements</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">SSAP No. 100R &#8211; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Fair Value</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> establishes a fair value hierarchy that prioritizes the inputs used in the valuation techniques to measure fair value.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-45pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Level&#160;1 &#8211; &#160;&#160;&#160;&#160;Unadjusted quoted
        prices for identical assets or liabilities in active markets that the Company has the ability to access at the measurement date.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-45pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Level&#160;2 &#8211; &#160;&#160;&#160;&#160;Valuations derived
        from techniques that utilize observable inputs, other than quoted prices included in Level&#160;1, which are observable for the asset or liability either directly or indirectly, such as: </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(a)&#160;&#160;&#160;&#160;Quoted prices for similar assets or
        liabilities in active markets. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(b)&#160;&#160;&#160;&#160;Quoted prices for identical or similar assets
        or liabilities in markets that are not active. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(c)&#160;&#160;&#160;&#160;Inputs other than quoted prices that are
        observable. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:108pt;text-align:justify;text-indent:-36pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(d)&#160;&#160;&#160;&#160;Inputs that are derived
        principally from or corroborated by observable market data by correlation or other means. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-45pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Level&#160;3 &#8211; &#160;&#160;&#160;&#160;Valuations derived
        from techniques in which the significant inputs are unobservable. Level&#160;3 fair values reflect the Company&#8217;s own assumptions about the assumptions that market participants would use in pricing the asset or liability (including assumptions about
        risk). </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has analyzed the valuation techniques
        and related inputs, evaluated its assets and liabilities reported at fair value, and determined an appropriate fair value hierarchy level based upon trading activity and the observability of market inputs. Based on the results of this evaluation
        and investment class analysis, each financial asset and liability was classified into Level&#160;1, 2, or 3.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following presents the assets and liabilities
        measured at fair value on a recurring basis and their corresponding level in the fair value hierarchy at December&#160;31: </font></div>
    <div style="margin-top:5pt;padding-left:27pt">
      <table id="z7c3cd3ccdb0f439aa0cd98907f0b0678" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.345%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:36.695%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.689%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.388%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.587%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.388%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.587%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.388%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.587%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.391%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Level 1</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Level 2</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:700;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline"> (a)</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Level 3</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Total</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:100%">Assets
                at fair value:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Common stocks</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">197&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">201&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Derivative
                assets</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">76&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,064&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">137&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,277&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate
                account assets</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">15,816&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,582&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">24,398&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other
                invested assets</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">242&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">242&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total assets
                reported at fair value</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,090&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">11,650&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">383&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">28,123&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:100%">Liabilities




                at fair value:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Derivative
                liabilities</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">182&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,611&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">42&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,835&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate
                account derivative liabilities</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,249&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,249&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                liabilities reported at fair value</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">182&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,860&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">42&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,084&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr style="height:9pt">
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="27">
              <div style="margin-bottom:2pt;padding-left:9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%"> The Company does not have any assets or liabilities measured at net asset value (NAV) that are included in Level 2 within this
                  table.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="height:58.5pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 41 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="padding-left:27pt">
      <table id="z76a08fb612514edcbf126336a031d332" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.345%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:36.695%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.689%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.388%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.587%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.388%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.587%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.388%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.587%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.391%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="21"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Level 1</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Level 2 </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:700;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">(a)</font></div>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Level 3</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Total</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:100%">Assets
                at fair value:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Common stocks</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">155&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">160&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Derivative
                assets</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">25&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,065&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,096&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate
                account assets</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">15,872&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,062&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18,934&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total assets
                reported at fair value</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,053&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,130&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">11&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">20,194&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:100%">Liabilities




                at fair value:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Derivative
                liabilities</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">741&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">14&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">760&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate
                account derivative liabilities</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,940&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,940&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 28pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                liabilities reported at fair value</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,681&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">14&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,700&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr style="height:9pt">
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="27">
              <div style="margin-bottom:2pt;padding-left:3pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%"> The Company does not have any assets or liabilities measured at NAV that are included in Level 2 within this table.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:10pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following is a discussion of the methodologies used to
        determine fair values for the assets and liabilities listed in the above table. These fair values represent an exit price (i.e., what a buyer in the marketplace would pay for an asset in a current sale or charge to transfer a liability). The
        Company has not made changes to valuation techniques in 2023. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(a)&#160;&#160;&#160;&#160;Valuation of Bonds and Unaffiliated Stock</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair value of bonds is based on quoted market
        prices in active markets when available. Based on the market data, the securities are categorized into asset class, and based on the asset class of the security, appropriate pricing applications, models and related methodology, and standard inputs
        are utilized to determine what a buyer in the marketplace would pay for the security in a current sale. When quoted prices are not readily available or in an inactive market, standard inputs used in the valuation models, listed in approximate order
        of priority, include, but are not limited to, benchmark yields, reported trades, Municipal Securities Rulemaking Board reported trades, Nationally Recognized Municipal Securities Information Repository material event notices, broker-dealer quotes,
        issuer spreads, two-sided markets, benchmark securities, bids, offers, reference data, and industry and economic events. In some cases, including private placement securities and certain difficult-to-price securities, internal pricing models may be
        used that are based on market proxies. Internal pricing models based on market spread and U.S. Treasury rates are used to value private placement holdings. The primarily unobservable input used in the discounted cash flow models for states and
        political subdivisions, foreign government, and corporate bonds is a corporate index option adjusted spread (OAS). CDO and certain mortgage-backed securities are priced by a third-party vendor and the Company internally reviews the valuation for
        reasonableness. The Company does not have insight into the specific inputs; however, the key unobservable inputs would generally include default rates.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Generally, U.S. Treasury securities and
        exchange-traded stocks are included in Level&#160;1. Most bonds for which prices are provided by third-party pricing sources are included in Level&#160;2, because the inputs used are market observable. Bonds for which prices were obtained from broker quotes,
        certain bonds without active trading markets and private placement securities that are internally priced are included in Level&#160;3.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair value of unaffiliated common stocks is
        based on quoted market prices in active markets when available and included in Level 1. When quoted prices are not readily available or in an inactive market, the Company arrives at fair value utilizing internal pricing models based on available
        market inputs or obtains valuations from third party brokers or investment managers. Such investments may be categorized in Level 2 or Level 3. The primary unobservable input used to value common stock are indicative quotes received from
        third-party vendors. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><br>
    </div>
    <div style="height:58.5pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 42 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(b)&#160;&#160;&#160;&#160;Valuation of Derivatives</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Active markets for OTC options do not exist. The
        fair value of OTC options is derived internally, by calculating their expected discounted cash flows, using a set of calibrated, risk-neutral stochastic scenarios, including a market data monitor, a market data model generator, a stochastic
        scenario calibrator, and the actual asset pricing calculator. The valuation results are reviewed by Management via the Pricing Committee. OTC options that are internally priced, foreign currency swaps, credit default swaps (CDS), To Be Announced
        (TBA) securities, and interest rate swaps (IRS) are included in Level&#160;2, because they use market observable inputs. TRS are included in Level&#160;3 because they use valuation techniques in which significant inputs are unobservable. The fair value of
        ETOs and futures are based on quoted market prices and are generally included in Level&#160;1. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Certain derivatives are priced using external
        third-party vendors. The Company has controls in place to monitor the valuations of these derivatives. Using market observable inputs, IRS prices are derived from a third-party source and are independently recalculated internally and reviewed for
        reasonableness at the position level on a monthly basis. TRS prices are obtained from the respective counterparties. These prices are also internally recalculated and reviewed for reasonableness at the position level on a monthly basis. The Company
        does not have insight into the specific inputs used by third-party vendors; however, the key unobservable input would generally include the spread.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(c)&#160;&#160;&#160;&#160;Valuation of Separate Account Assets and
        Separate Account Derivative Liabilities</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Separate account assets and Separate account
        derivative liabilities, with the exception of certain bonds, mortgage loans, cash, cash equivalents, securities lending reinvested collateral assets and investment income due and accrued, are carried at fair value, which is based on the fair value
        of the underlying assets which are described throughout this note. Funds in the separate accounts are primarily invested in variable investment option funds with the following investment types: bond, domestic equity, international equity, or
        specialty. Variable investment option funds are included in Level&#160;1 because their fair value is based on quoted prices in active, observable markets. The remaining investments are categorized similar to the investments held by the Company in the
        general account (e.g., if the separate account invested in bonds, short-term investments and derivatives, that portion could be classified within Level&#160;2 or Level&#160;3). Assets carried at amortized cost within the separate account have an amortized
        cost of $27,720 and $23,506 as of December&#160;31, 2023 and 2022, respectively, and a fair value of $24,877 and $20,008 as of December&#160;31, 2023 and 2022, respectively. Separate account assets carried at amortized cost are included in the table in
        section 6(h) below. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(d)&#160;&#160;&#160;&#160;Level&#160;3 Rollforward</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides a reconciliation of the
        beginning and ending balances for the Company&#8217;s Level&#160;3 assets and liabilities measured at fair value on a recurring basis:</font></div>
    <div style="margin-top:5pt;padding-left:54pt">
      <table id="z4765d86aa04940c791ca135909b5961d" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.189%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:19.943%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.179%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.179%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.179%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.179%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.179%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.179%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.183%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 1, 2023</font></td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfers into<br>
                Level 3</font></td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfers out<br>
                of Level 3</font></td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total gains<br>
                and (losses)<br>
                included in<br>
                Net Income</font></td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total gains<br>
                and (losses)<br>
                included in<br>
                Surplus</font></td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Purchases, issuances, sales and settlements</font></td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</font></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr style="height:11pt">
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Common stocks</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">TRS assets</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">316&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">131&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(316)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">137&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other invested assets</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">242&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">242&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 10.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Level 3
                Assets</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">242&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">316&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">130&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(316)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">383&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr style="height:11pt">
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">TRS liabilities</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(375)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(28)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">375&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(42)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 10.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Level 3
                Liabilities</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14)</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(375)</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(28)</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">375&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(42)</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>

      </table>
    </div>
    <div style="height:58.5pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 43 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="padding-left:54pt">
      <table id="z838ce62b685448288c333f929336579d" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.189%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:19.943%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.179%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.179%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.179%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.179%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.179%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.179%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:10.183%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 1, 2022</font></td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfers into<br>
                Level 3</font></td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfers out<br>
                of Level 3</font></td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total gains<br>
                and (losses)<br>
                included in<br>
                Net Income</font></td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total gains<br>
                and (losses)<br>
                included in<br>
                Surplus</font></td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Purchases, issuances, sales and settlements</font></td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</font></td>
          </tr>
          <tr style="height:11pt">
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Preferred stocks</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Common stocks</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">TRS assets</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">419&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(419)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 10.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Level 3
                Assets</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">419&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(412)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr style="height:11pt">
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">TRS liabilities</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(871)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">871&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 10.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Level 3
                Liabilities</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(871)</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">871&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14)</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(e)&#160;&#160;&#160;&#160;Transfers</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company reviews its fair value hierarchy
        classifications quarterly. Transfers between levels occur when there are changes in the observability of inputs and market activity. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">All transfers into Level 3 were a result of
        observable inputs no longer being considered reliable or could no longer be validated against an alternative source. The transfers out of Level 3 were a result of securities no longer being carried at fair value as a result of new availability of
        reliable observable inputs or the ability to validate market price of the security against an alternative source.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(f)&#160;&#160;&#160;&#160;Sensitivity of Fair Value Measurements to
        Changes in Unobservable Inputs</font></div>
    <div style="margin-bottom:10pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Bonds: </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The primary unobservable input used in the discounted cash flow models for states and political subdivisions, foreign government, and
        corporate bonds is a corporate index option adjusted spread (OAS). The corporate index OAS used is based on a security's sector, rating, and average life. A significant increase (decrease) of the corporate index OAS in isolation could result in a
        decrease (increase) in fair value.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">CDO and certain mortgage-backed securities are
        priced by a third-party vendor and the Company internally reviews the valuation for reasonableness. The Company does not have insight into the specific inputs used; however, the key unobservable inputs would generally include default rates. A
        significant increase (decrease) in default rates in isolation could result in an decrease (increase) in fair value.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Common stocks: </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The primary unobservable inputs used to value common stock are indicative quotes received from third-party vendors and subsequent
        offering prices. A significant increase (decrease) in either the indicative quotes or offering prices in isolation could result in an increase (decrease) in fair value.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Derivative assets and liabilities: </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The TRS are priced by a third-party vendor and the Company internally reviews the valuation for reasonableness. The key unobservable
        input would generally include the spread. For a long position, a significant increase (decrease) in the spread used in the fair value of the TRS in isolation could result in higher (lower) fair value. For a short position, a significant increase
        (decrease) in the spread used in the fair value of the TRS in isolation could result in lower (higher) fair value.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(g)&#160;&#160;&#160;&#160;Estimates</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has been able to estimate the fair value
        of all financial assets and liabilities.</font></div>
    <div style="height:58.5pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 44 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(h)&#160;&#160;&#160;&#160;Aggregate Fair Value of Financial Instruments</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables present the carrying amounts
        and fair values of all financial instruments at December 31 </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">:</font></div>
    <div style="margin-top:5pt;padding-left:54pt">
      <table id="z92fbba52dc324bc2be8e5b3b07a66f06" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:90.090%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:25.566%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.733%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.733%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.733%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.733%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.737%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="27"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair Value</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Aggregate Fair Value</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Admitted Assets/<br>
                Carrying Value</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level 1</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level 2</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level 3</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Financial




                Assets</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bonds</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">82,223&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">89,197&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,412&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52,057&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,754&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Common
                stocks, unaffiliated</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">323&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">323&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">197&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">126&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage
                loans on real estate</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,664&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,115&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,664&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash
                equivalents</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,176&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,176&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,485&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,405&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">286&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Short-term
                investments</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">612&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">613&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">595&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivative
                assets</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,278&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,278&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">77&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,064&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">137&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Securities
                lending reinvested collateral assets</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,601&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,600&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,601&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other
                invested assets</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,886&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,905&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">131&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,755&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">COLI</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">750&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">750&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">750&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Separate
                account assets</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49,938&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52,781&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,397&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,000&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,541&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Financial




                Liabilities</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deposit-type
                contracts</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,913&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,842&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,913&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other
                investment contracts</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">82,589&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">80,474&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">82,589&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Borrowed
                money</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,569&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,515&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,569&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivative
                liabilities</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,835&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,835&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">182&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,611&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Payable for
                securities lending</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,600&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,600&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,600&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Payable for
                securities</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">117&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">117&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">117&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Separate
                account liabilities</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49,938&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52,781&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,397&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,000&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,541&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr style="height:11pt">
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="33">
              <div style="margin-bottom:2pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> The Company does not have any assets or liabilities measured at NAV that are included in Level 2 in this table. In addition,
                  the Company has no assets or liabilities for which it is not practicable to measure at fair value.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="height:58.5pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 45 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="padding-left:54pt">
      <table id="z5eba685826b640bab6a7d96d3c1e7340" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:90.090%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:25.566%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.733%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.733%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.733%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.733%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.737%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="27"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair Value</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Aggregate Fair Value</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Admitted Assets/
                Carrying Value</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level 1</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level 2</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Level 3</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Financial




                Assets</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bonds</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78,268&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">89,143&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,708&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55,058&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,502&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Common
                stocks, unaffiliated</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">251&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">251&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">156&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage
                loans on real estate</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,020&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,728&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,020&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash
                equivalents</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,489&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,488&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,029&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">460&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Short-term
                investments</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">783&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">783&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">778&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivative
                assets</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,096&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">973&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,065&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Securities
                lending reinvested collateral assets</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,892&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,892&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,892&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other
                invested assets</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,408&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,439&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">94&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,314&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">COLI</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">692&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">692&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">692&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Separate
                account assets</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40,004&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,502&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,406&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,711&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,887&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">Financial




                Liabilities</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deposit-type
                contracts</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,122&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,233&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,122&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other
                investment contracts</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96,854&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">88,919&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96,854&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Borrowed
                money</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,999&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,010&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,999&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivative
                liabilities</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">760&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">747&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">741&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Payable for
                securities lending</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,892&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,892&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,892&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Payable for
                securities</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">207&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">207&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">207&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 16.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Separate
                account liabilities</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40,004&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,502&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,406&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,711&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,887&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr style="height:11pt">
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="33">
              <div style="margin-bottom:2pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> The Company does not have any assets or liabilities measured at NAV that are included in Level 2 in this table. In addition,
                  the Company has no assets or liabilities for which it is not practicable to measure at fair value.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A description of the Company&#8217;s valuation techniques for financial
        instruments not reported at fair value and categorized within the fair value hierarchy is shown below:</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Valuation of FHLB Stock</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">FHLB stock, included in Common stocks, is not traded
        in an active market and is categorized in Level 3. FHLB stock is carried at cost, which approximates fair value unless it is impaired, based on provisions within the Company&#8217;s FHLB agreement that allow for return of outstanding shares of FHLB stock
        at the Company&#8217;s cost basis.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Valuation of Mortgage Loans on Real Estate </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair value of commercial mortgage loans on real
        estate is calculated by analyzing individual loans and assigning ratings to each loan based on a combination of loan-to-value ratios and debt service coverage ratios. Fair value is determined based on these factors as well as the contractual cash
        flows of each loan and the current market interest rates for similar loans. The fair value of residential mortgage loans on real estate is calculated by discounting estimated cash flows, with discount rates based on current market conditions.</font></div>
    <div style="height:58.5pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 46 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Valuation of Cash Equivalents</font></div>
    <div style="margin-bottom:7pt;margin-top:3pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Cash equivalents are comprised of money market
        mutual funds, cash equivalent bonds, and reverse repurchase agreements. The fair value of money market mutual funds and cash equivalent bonds are based on quoted market prices in active markets and included in Level 1. Reverse repurchase prices are
        provided by third-party pricing sources and included in Level 2, because the inputs used to determine fair value are market observable. </font></div>
    <div style="margin-bottom:7pt;margin-top:3pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Valuation of Short-term Investments</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Short-term investments are comprised of bonds due in
        one year or less at original purchase. Due to the short-term nature of these investments, the carrying value is deemed to approximate fair value. The fair value leveling of short-term investments is determined similarly as bonds as discussed above.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Valuation of Securities Lending Reinvested Collateral Assets </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Collateral held from securities lending agreements
        is primarily comprised of short-term and long-term highly liquid fixed-maturity securities. Fair values are determined and classified within the fair value hierarchy in a manner consistent with the method utilized to determine the fair value of
        similar securities (fixed-income securities, equity securities, cash and cash equivalents) held within the Company&#8217;s general account investment portfolio. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Valuation of Other Invested Assets</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other invested assets include surplus notes,
        residuals on asset-backed securities, LIHTC investments, limited partnership investments, loans to affiliates, and restricted stock unit (RSU) assets. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#9702;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.46pt">Surplus notes and residuals on asset-backed securities for which prices are provided by third-party pricing sources
        using observable inputs are included in Level 2. Prices provided by third-party pricing sources that do not have observable market data or are determined internally are included in Level 3. Residuals are carried at the lower of amortized cost or
        market value.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#9702;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.46pt">LIHTC investments (including the unfunded commitment asset) fair value is set equal to carrying value, as there is
        no observable market data on which to calculate fair value. Due to the use of unobservable inputs, they are categorized as Level 3. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#9702;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.46pt">Limited partnership investments are recorded using the equity method in line with SSAP No. 48, Joint Ventures,
        Partnerships, and Limited Liability Companies, using unobservable inputs. Due to the use of unobservable inputs, they are categorized as Level 3. The Company believes the equity method approximates fair value.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#9702;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.46pt">Loans to affiliates are carried at cost. Due to the lack of an active market, the current carrying value is the only
        market price at which the transaction could be settled, and therefore the Company believes cost approximates fair value. Due to the use of unobservable inputs, they are categorized as Level 3. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:72pt;text-align:justify;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#9702;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.46pt">RSU assets are tied to the share price of Allianz SE stock but does not participate in an active market; given this,
        it is categorized as Level 2.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Valuation of COLI</font></div>
    <div style="padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The COLI policies held by the Company are carried at their respective cash surrender
        values, which approximates fair value. The cash surrender value of the policies is based on the value of the underlying assets, which are regularly priced utilizing observable inputs. The COLI asset is included within Other assets on the Statutory
        Statements of Admitted Assets, Liabilities, and Capital and Surplus. At December&#160;31, 2023 and 2022, the cash surrender value in an investment vehicle is $750 and $692, respectively, and is allocated into the following categories based on primary
        underlying investment characteristics:</font></div>
    <div style="height:58.5pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 47 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-top:5pt;padding-left:54pt">
      <table id="z895c21bca5914dd6ae5d8dff93378525" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.939%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:54.492%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:21.103%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:21.105%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Bonds</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">45.0&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">47.0&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Stocks</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19.0&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">17.0&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other Invested Assets</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">36.0&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">36.0&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Valuation of Deposit-Type Contracts </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Fair values of deposit-type contracts are based on
        discounted cash flows using internal inputs, including the discount rate and consideration of the Company&#8217;s own credit standing and a risk margin for actuarial inputs. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Valuation of Other Investment Contracts </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other investment contracts are included within Life
        policies and annuity contracts within the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. Other investment contracts include certain reserves related to deferred annuities and other payout annuities that may include
        life contingencies, but do not have significant mortality risk due to substantial periods certain. Fair values are based on discounted cash flows using internal inputs, including the discount rate and consideration of the Company&#8217;s own credit
        standing and a risk margin for market inputs. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Valuation of Borrowed Money </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair value of the FHLB borrowing is calculated
        on a discounted cash flow basis. Each position includes a monthly interest rate, a maturity payment amount, and a maturity date. The interest and maturity payments are projected as of the valuation date, and the expected cash flows are discounted
        using the valuation date swap curve. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Valuation of Payable for Securities Lending</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Securities lending payable is set equal the to the
        cash collateral received. Due to the short-term nature of these loans, the carrying value is deemed to approximate fair value.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Valuation of Payable for Securities</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Included in Payable for securities is the LIHTC
        investments unfunded commitment liability. As there is no observable market data on which to calculate fair value of the LIHTC investment unfunded commitment asset and liability, fair value is set equal to carrying value, and the balance is
        categorized as Level 3.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Valuation of Separate Account Liabilities</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair value of separate account liabilities
        approximates the fair value of separate account assets.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(7)&#160;&#160;&#160;&#160;Mortgage Notes Payable</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2004, the Company obtained an $80 mortgage loan
        from an unrelated third-party for the Company&#8217;s headquarters. In 2005, the Company agreed to enter into a separate loan agreement with the same counterparty in conjunction with the construction of an addition to the Company&#8217;s headquarters of $65.
        This loan was funded in 2006 and combined with the existing mortgage. As of December&#160;31, 2023 and 2022, the combined loan had a balance of $8 and $20, respectively, and is reported within Real estate on the Statutory Statements of Admitted Assets,
        Liabilities, and Capital and Surplus. This 20&#160;year, fully amortizing loan has an interest rate of 5.52%, with a maturity date of August&#160;1, 2024. The level principal and interest payments are made monthly. The loan allows for prepayment; however, it
        is accompanied by a make-whole provision.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Interest expense for all loans is $1, $1, and $2, in
        2023, 2022, and 2021, respectively, and is presented in Net investment income on the Statutory Statements of Operations. </font></div>
    <div style="height:58.5pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 48 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The future principal payments required under the
        loan are as follows:</font></div>
    <div style="margin-top:5pt;padding-left:27pt">
      <table id="zd806ed00b63d4c40bd7ddb2ed70414e4" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.495%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:81.289%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.511%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2024</font></td>
            <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2025</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2026</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2027</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2028</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Thereafter</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="height:58.5pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 49 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(8)&#160;&#160;&#160;&#160;Electronic Data Processing Equipment and Software (EDP) </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">EDP at December&#160;31 and the changes in the balance for the years then
        ended are as follows: </font></div>
    <div style="margin-top:5pt;padding-left:27pt">
      <table id="z568fca34c25e435eb1e3891b00164939" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.642%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:55.346%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:20.283%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.586%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:20.285%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Amortization:</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Software
                amortization</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">20&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net EDP balance, by
                major classes of assets:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Software</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">67&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">63&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net EDP balance</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">67&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">63&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Nonadmitted</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(67)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(63)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net admitted
                EDP balance</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has a gross EDP asset of $71 and $67 and
        accumulated depreciation and amortization of $(4) and $(4) at December&#160;31, 2023 and 2022, respectively. Servers, computers and peripherals are depreciated over the lesser of their useful life or three years and the net balance is nonadmitted.
        Software is amortized over the lesser of its useful life or five years. Nonoperating software is nonadmitted and operating software is admitted to the extent it meets the criteria defined in SSAP No.&#160;16R - Electronic Data Processing Equipment and
        Software.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"> (9)&#160;&#160;&#160;&#160;Income Taxes</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(a)&#160;&#160;&#160;&#160;Deferred Tax Assets and Liabilities </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The components of the net DTA or net DTL are as follows:</font></div>
    <div style="margin-top:5pt;padding-left:54pt">
      <table id="z876ed0d19d404dbb837498a2d665fb18" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.136%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:41.137%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:17.597%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.634%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:17.597%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.634%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:17.601%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">December 31, 2023</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Ordinary</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Capital</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Total</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total gross deferred tax assets</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,065&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">69&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,134&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Statutory valuation allowance adjustments</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Adjusted gross deferred tax assets</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,065&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">69&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,134&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deferred tax assets nonadmitted</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(196)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(196)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subtotal net admitted deferred tax assets</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">869&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">69&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">938&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deferred tax liabilities</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(371)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(3)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(374)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net admitted deferred tax assets (liabilities)</font></div>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">498&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">66&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">564&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:54pt">
      <table id="zefa54f144f854134894f93b5456fb052" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.136%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:41.137%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:17.597%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.634%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:17.597%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.634%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:17.601%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">December 31, 2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Ordinary</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Capital</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Total</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total gross deferred tax assets</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">898&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">58&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">956&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Statutory valuation allowance adjustments</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Adjusted gross deferred tax assets</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">898&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">58&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">956&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deferred tax assets nonadmitted</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(108)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(108)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subtotal net admitted deferred tax assets</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">790&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">58&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">848&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deferred tax liabilities</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(448)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(21)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(469)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net admitted deferred tax assets (liabilities)</font></div>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">342&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">37&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">379&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="height:54pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 50 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
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    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="padding-left:54pt">
      <table id="zd62285ad7267428abf59eb519bfd003a" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.136%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:41.137%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:17.597%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.634%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:17.597%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.634%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:17.601%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Change</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Ordinary</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Capital</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Total</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total gross deferred tax assets</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">166&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">11&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">177&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Statutory valuation allowance adjustments</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Adjusted gross deferred tax assets</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">166&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">11&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">177&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deferred tax assets nonadmitted</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(88)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(88)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subtotal net admitted deferred tax assets</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">78&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">11&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">89&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deferred tax liabilities</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">77&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">17&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">94&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net admitted deferred tax assets (liabilities)</font></div>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">155&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">28&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">183&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The amount of admitted adjusted gross DTAs allowed under each component of SSAP
        No.&#160;101 &#8211; </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Income Taxes</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> (SSAP No. 101) as of December 31 are as follows:</font></div>
    <div style="margin-top:5pt;padding-left:54pt">
      <table id="zf95f8272a71a4d5886f24457bafa95d6" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.285%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:43.733%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.733%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.733%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.735%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">December 31, 2023</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ordinary</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Capital</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal income taxes paid
                in prior years recoverable through loss carrybacks (11.a)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">69&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">69&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs expected to be realized after application of the threshold
                  limitations</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Lesser of 11.b.i or 11.b.ii:</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs expected to be realized following the balance sheet date
                  (11.b.i.)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">498&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">498&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs allowed per limitation threshold (11.b.ii)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">N/A</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">N/A</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">971&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Lesser of 11.b.i or 11.b.ii</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">498&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">498&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs offset by gross DTLs (11.c)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">371&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">371&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:38.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred tax assets admitted</font></div>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">869&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">69&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">938&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:54pt">
      <table id="zf0a3f87cee5846109c037e4d023bf139" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.285%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:43.733%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.733%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.733%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.735%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">December 31, 2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ordinary</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Capital</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal income taxes paid
                in prior years recoverable through loss carrybacks (11.a)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">58&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">58&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs expected to be realized after application of the threshold
                  limitations</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Lesser of 11.b.i or 11.b.ii:</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs expected to be realized following the balance sheet date
                  (11.b.i.)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">342&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">342&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs allowed per limitation threshold (11.b.ii)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">N/A</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">N/A</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">920&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Lesser of 11.b.i or 11.b.ii</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">342&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">342&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs offset by gross DTLs (11.c)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">448&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">448&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:38.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred tax assets admitted</font></div>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">790&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">58&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">848&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="height:54pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 51 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="padding-left:54pt">
      <table id="za41ddc4e7ca942e1855a82e6eb964dbe" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.285%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:43.733%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.733%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.733%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.735%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Change</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Ordinary</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Capital</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Total</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal income taxes paid
                in prior years recoverable through loss carrybacks (11.a)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs expected to be realized after application of the threshold
                  limitations</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:20.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Lesser of 11.b.i or 11.b.ii:</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs expected to be realized following the balance sheet date
                  (11.b.i.)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">156&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">156&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs allowed per limitation threshold (11.b.ii)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">N/A</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">N/A</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">50&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Lesser of 11.b.i or 11.b.ii</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">156&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">156&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Adjusted gross DTAs offset by gross DTLs (11.c)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(77)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(77)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:38.25pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred tax assets admitted</font></div>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">79&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">90&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:54pt"><br>
    </div>
    <div style="margin-bottom:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Ratios used for threshold limitation as of December 31 are as follows:</font></div>
    <div style="margin-top:5pt;padding-left:54pt">
      <table id="z26d1781794c240b9a6c43cfc42321174" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.285%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.733%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.066%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.066%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.066%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.233%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.233%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.237%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">December 31</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Change</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="12"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ratio percentage used to
                determine recovery period and threshold limitation amount</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">645&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">650&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="12"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Amount of adjusted
                capital and surplus used to determine recovery period threshold limitation</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,470&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,136&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">334&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company did not use tax planning strategies on the determination of
        net admitted adjusted gross DTAs.</font></div>
    <div style="padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s tax planning strategies do not include the use of reinsurance.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(b)&#160;&#160;&#160;&#160;Unrecognized Deferred Tax Liabilities</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There are no temporary differences for which DTLs are not recognized.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(c)&#160;&#160;&#160;&#160;Current and Deferred Income Taxes</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The significant components of income taxes incurred
        (i.e. Current income tax expense) include: </font></div>
    <div style="margin-top:5pt;padding-left:54pt">
      <table id="z447df630d59c4ef7a121893b3a0bc656" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.285%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:44.066%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.400%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.400%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:9.400%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.900%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:8.902%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr style="height:15pt">
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">December 31</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" rowspan="2" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2023-2022
                Change</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" rowspan="2" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022-2021
                Change</font></td>
          </tr>
          <tr style="height:15pt">
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2021</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:top" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Current year federal
                tax expense (benefit) - ordinary income</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">574&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,091&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">576&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,093)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:top" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Current year foreign
                tax expense (benefit) - ordinary income</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 28pt;text-align:left;vertical-align:top" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Subtotal</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">574&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,091&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">576&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,093)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:top" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Current year tax
                expense - net realized capital gains (losses)</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(102)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(43)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">249&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(59)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(292)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 28pt;text-align:left;vertical-align:top" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal and foreign
                income taxes incurred</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">472&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(45)</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,340&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">517&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1,385)</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="height:54pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 52 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">DTAs and DTLs consist of the following major
        components:</font></div>
    <div style="margin-top:5pt;padding-left:54pt">
      <table id="z88ad941cce6d4d94bb03d2db563bf93a" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.988%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:46.224%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.636%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.622%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.636%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.622%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.636%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.624%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="12"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">December 31</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Deferred tax assets</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Change</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ordinary:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Unrealized
                losses</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">59&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">3&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">56&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred
                acquisition costs</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">246&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">213&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">33&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Expense
                accruals</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">79&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">66&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">13&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Policyholder
                reserves</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">640&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">518&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">122&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">VM-21
                reserves</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">24&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">73&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(49)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Foreign tax
                credit carryforward</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(5)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Nonadmitted
                assets</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">20&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Subtotal</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,065&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">898&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">167&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Statutory
                valuation allowance adjustment</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Nonadmitted
                ordinary deferred tax assets</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(196)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(108)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(88)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Admitted
                ordinary tax assets</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">869&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">790&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">79&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr style="height:11pt">
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Capital:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Impaired
                assets</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">65&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">56&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Unrealized
                losses</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Subtotal</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">69&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">58&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Statutory
                valuation allowance adjustment</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Nonadmitted
                capital deferred tax assets</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Admitted capital
                deferred tax assets</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">69&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">58&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Admitted
                deferred tax assets</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">938&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">848&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">89&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:54pt">
      <table id="zad81f0bea27a461198abf37444c6ebfe" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:88.988%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:46.224%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.636%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.622%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.636%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.622%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.636%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.624%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="12"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">December 31</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Deferred tax
                liabilities</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Change</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Ordinary:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Investments</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(64)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(61)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Fixed assets</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Policyholder
                reserves</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(182)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(275)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">93&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Software
                capitalization</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(11)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Unrealized
                gains</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(115)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(97)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(18)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Subtotal</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(371)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(448)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">77&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr style="height:11pt">
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Capital:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Unrealized
                gains</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(21)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Subtotal</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(21)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">18&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Deferred tax liabilities</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(374)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(469)</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">95&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Net deferred tax
                assets (liabilities)</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">564&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">379&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">185&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The realization of the DTAs is dependent upon the Company&#8217;s ability
        to generate sufficient taxable income in future periods. Based on historical results and the prospects for future current operations, management anticipates that it is more likely than not that future taxable income will be sufficient for the
        realization of the remaining DTAs.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Inflation Reduction Act was enacted on August
        16, 2022. The Company has determined as of December&#160;31, 2023 that it is an applicable corporation with respect to the Corporate Alternative Minimum Tax ("CAMT"), but that it will not incur a CAMT liability in 2023. The financial statements,
        therefore, do not include any impact related to CAMT. The Company has made an accounting election to disregard CAMT when evaluating the need for a Valuation Allowance for its non-CAMT DTAs.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In computing taxable income, life insurance
        companies are allowed a deduction attributable to their life insurance and accident and health reserves. The Tax Act of 2017 significantly changed the methodology by </font></div>
    <div style="height:54pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 53 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">which these reserves are computed for tax
        purposes.&#160;The changes are effective for tax years beginning after 2017 and are subject to a transition rule that spreads the additional income tax liability over the subsequent eight years beginning in 2018.&#160; Due to complexities in the new
        methodology and limited guidance from the Internal Revenue Service and U.S. Treasury, the Company has recorded provisional amounts for the deferred tax revaluation associated with the changes in the computation of life insurance tax reserves based
        on information available at December 31, 2017.&#160; Pursuant to Interpretation of the SAP Working Group 18-01: </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Updated Tax Estimates under the Tax Cuts and Jobs Act</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, provisional tax computations related to these amounts were reasonably estimated&#160;as of December 31, 2017 and have been adjusted based on guidance received from Internal Revenue
        Service and U.S. Treasury. Adjusted amounts are reflected in the Company's results of operations for the years ended December 31, 2023, 2022, and 2021. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Change in net deferred income tax is comprised
        of the following (this analysis is exclusive of the nonadmitted DTAs as the Change in nonadmitted assets is reported separately from the Change in net deferred income tax in the Unassigned surplus section of the Statutory Statements of Capital and
        Surplus):</font></div>
    <div style="margin-top:5pt;padding-left:54pt">
      <table id="z26cca474b4494fbb8f0aa9999bd35c56" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.136%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:57.163%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.255%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.634%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.255%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.634%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.259%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Change</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net deferred tax assets (liabilities)</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">759&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">487&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">272&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Statutory valuation allowance adjustment</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:27pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net deferred tax assets (liabilities) after statutory valuation allowance</font></div>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">759&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">487&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">272&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Tax effect of unrealized gains (losses)</font></div>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">162&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">208&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(46)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div style="padding-left:9pt;text-indent:-9pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Statutory valuation allowance adjustment allocated to unrealized gains (losses)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;text-indent:-9pt;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Tax




                impact due to correction of error</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 28pt;text-align:left;text-indent:-9pt;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change




                in net deferred income tax</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">930&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">695&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">235&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(d)&#160;&#160;&#160;&#160;Reconciliation of Federal Income Tax Rate to
        Actual Effective Rate</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The provision for federal income taxes incurred is different from that
        which would be obtained by applying the statutory federal income tax rate to income before income taxes. The significant items causing this difference are as follows:</font></div>
    <div style="height:54pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 54 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-top:5pt;padding-left:54pt">
      <table id="z948cfcb637ba45198bb0b3ac76de6c38" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.285%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:43.733%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.733%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.733%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.633%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.735%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">December 31, 2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">December 31, 2022</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">December 31, 2021</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal income
                tax rate</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21.0&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21.0&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">21.0&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Amortization of
                IMR</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(0.3)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(0.3)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1.9)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Dividends
                received deduction</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(0.9)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(0.4)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1.3)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Nondeductible
                expenses</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.9&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1.3&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Affiliated LLC
                income</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(0.2)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(0.2)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(0.2)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">COLI</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(0.7)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2.4)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tax hedges</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8.5&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4.5)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(6.5)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tax hedge
                reclassification</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(7.0)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(15.0)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">73.7&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tax credits</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2.8)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(2.0)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(9.6)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Prior period
                adjustments</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1.2)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in
                deferred taxes on impairments</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(0.5)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(0.3)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in
                deferred taxes on nonadmitted assets</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(0.2)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(0.4)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in
                deferred tax reclassified to Change due to correction of accounting error</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(0.4)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Reinsurance</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3.0)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1.9)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">83.5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Correction of
                error surplus</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2.0&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Tax
                contingencies</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1.7)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.4&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">10.6&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Realized capital
                gains tax</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4.7)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1.5)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">47.4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">0.2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1.4)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Effective tax
                rate</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11.0&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3.5)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">214.0&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr style="height:12pt">
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Federal and
                foreign income taxes incurred</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">26.6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(0.1)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">207.4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Realized Capital
                Gains Tax</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(4.7)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1.5)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">47.4&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Change in net
                deferred tax</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(10.9)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(1.9)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(40.8)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Effective tax
                rate</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">11.0&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(3.5)</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">214.0&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">%</font></td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(e)&#160;&#160;&#160;&#160;Carryforwards, Recoverable Taxes, and IRC
        Section&#160;6603 Deposits</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2023, there are $0 for operating
        losses and foreign tax credit carryforwards available for tax purposes.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2023 and 2022, there was $104 and
        $206, respectively of Federal income taxes available for recoupment in the event of future net losses.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2023, the Company admitted a
        deposit under Section 6603 of the IRC in the amount of $179, which is within Current federal and foreign income tax recoverable on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. There were no deposits admitted as
        of December&#160;31, 2022.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company had tax contingencies computed in
        accordance with SSAP No. 5R, Liabilities, Contingencies and Impairment of Assets, and SSAP No.&#160;101 as of December&#160;31, 2023 and 2022. The Company does not believe the tax contingencies will significantly increase within the next 12 months.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company recognizes interest and penalties
        accrued related to unrecognized tax benefits in federal income tax expense. During the years ended December&#160;31, 2023, 2022, and 2021 the Company recognized expenses of $(12), $7, and $23 in interest and penalties, respectively. The Company had $28
        and $40 for the unrecognized tax benefits and related accrued interest at December&#160;31, 2023 and 2022, respectively.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(f)&#160;&#160;&#160;&#160;Consolidated Federal Income
        Tax Return</font></div>
    <div style="height:54pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 55 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company's federal income tax return is
        consolidated with its parent, AZOA. The method of allocation among companies is subject to a written agreement with AZOA, approved by the Board of Directors of AZOA, that provides for computation of federal income taxes primarily on a separate
        company basis with the Company receiving reimbursement by AZOA for the benefit of all tax attributes, including credits and losses, when such attributes are utilized in the AZOA consolidated federal income tax return. In 2023, the Company amended
        the agreement to include the corporate alternative minimum tax applying principles described above. Intercompany tax balances are settled annually after the consolidated return is filed.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is included in the consolidated group
        for which AZOA files a federal income tax return on behalf of all group members. As a member of the AZOA consolidated group, the Company is no longer subject to U.S. Federal and non-U.S. income tax examinations for years prior to 2016, though
        examinations of combined returns filed by AZOA, which include the Company, by certain U.S. state and local tax authorities, may still be conducted for 2016 and subsequent years. The Internal Revenue Service (IRS) examination of AZOA for the 2016
        and 2017 income tax returns has completed the exam phase and has been assigned to Appeals for an issue related to variable annuity hedging income recognition. A verbal agreement for the settlement of this hedging issue has been reached with the
        IRS. The settlement is subject to a final closing agreement. The IRS has also initiated an examination of AZOA's 2018-2020 income tax returns, which is expected to close by the end of 2024.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2023, the companies included in
        the consolidated group for which AZOA files a federal income tax return are included below:</font></div>
    <div style="margin-top:5pt;padding-left:27pt;padding-right:27pt;text-align:center">
      <table id="z047acace1de546c8a5ee8759b0ae351a" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:73.511%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:48.900%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:48.900%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="6"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Members of Consolidated Tax Group</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Life Insurance Company of North America</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Life Insurance Company of Missouri</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Life Insurance
                Company of New York</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Underwriters
                Insurance Company</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">AZOA Services Corporation</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">AGCS Marine Insurance
                Company</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Global Risks US
                Insurance Company</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Reinsurance
                Management Services, Inc.</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Reinsurance of
                America, Inc.</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fireman&#8217;s Fund Insurance
                Company</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Technology of
                America, Inc.</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fireman&#8217;s Fund Indemnity
                Corporation</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Renewable Energy
                Partners of America LLC</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">National Surety
                Corporation</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Renewable Energy
                Partners of America 2 LLC</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Chicago Insurance Company</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">PFP Holdings, LLC.</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interstate Fire &amp;
                Casualty Company</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">AZL PF Investments, Inc.</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">American Automobile
                Insurance Company</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Dresdner Kleinwort
                Pfandbriefe Investments II, Inc.</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">The American Insurance
                Company</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Fund Investments,
                Inc.</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Risk Transfer,
                Inc.</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Yorktown Financial
                Companies, Inc.</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allianz Risk Transfer
                (Bermuda), Ltd.</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Questar Capital
                Corporation</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Questar Agency, Inc.</font></td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(10)&#160;&#160;&#160;&#160;Accident and Health Claim Reserves</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Accident and health claim reserves are based on
        estimates that are subject to uncertainty. Uncertainty regarding reserves of a given accident year is gradually reduced as new information emerges each succeeding year, thereby allowing more reliable reevaluations of such reserves. While management
        believes that reserves as of December&#160;31, 2023 are appropriate, uncertainties in the reserving process could cause reserves to develop favorably or unfavorably in the near term as new or additional information emerges. Any adjustments to reserves
        are reflected in the operating results of the periods in which they are made. Movements in reserves could significantly impact the Company&#8217;s future reported earnings.</font></div>
    <div style="height:54pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 56 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Activity in the accident and health claim reserves is summarized as
        follows:</font></div>
    <div style="margin-top:5pt;padding-left:27pt">
      <table id="zc9db808c76e54f379d7f3460939d4005" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.494%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:53.860%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.587%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.388%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.587%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.388%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.587%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.603%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Balance at
                January 1, net of reinsurance recoverables of $845, $734, and $665, respectively</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">437&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">385&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">337&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Incurred related to:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Current year</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">242&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">201&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">189&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Prior years</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(15)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(39)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(47)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total incurred</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">227&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">162&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">142&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Paid related to:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Current year</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">12&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">11&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Prior years</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">121&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">99&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">84&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total paid</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">133&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">110&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">94&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 21.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Balance at
                December 31, net of reinsurance recoverables of $1,000, $845, and $734, respectively</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">531&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">437&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">385&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Prior year incurred claim reserves for 2023, 2022
        and 2021 were favorable as a result of re-estimation of unpaid claims and claim adjustment expenses, principally on the individual LTC line of business. </font></div>
    <div style="height:54pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 57 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:104.4pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(11)&#160;&#160;&#160;&#160;Reinsurance</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company primarily enters into reinsurance
        agreements to manage risk resulting from its life, annuity, and accident and health businesses, as well as businesses the Company has chosen to exit. In the normal course of business, the Company seeks to limit its exposure to loss by ceding risks
        under yearly renewal term, coinsurance, and modified coinsurance. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company monitors the financial exposure and
        financial strength of the reinsurers on an ongoing basis. The Company attempts to mitigate risk by securing recoverable balances with various forms of collateral, including arranging trust accounts and letters of credit with certain reinsurers. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The effect of reinsurance on reserves, deposit-type
        contracts, and claims, for amounts recoverable from other insurers, was as follows:</font></div>
    <div style="margin-top:5pt;padding-left:27pt">
      <table id="z9276f3238e0b4e5ca09f1fbbb2b13921" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.494%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:65.199%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.902%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.648%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.902%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.649%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">For the years ended December 31,</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reduction in:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Aggregate
                reserves *</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">27,184&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">17,122&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deposit-type
                contracts</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">423&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">257&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Policy and
                contract claims</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">50&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">33&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="15"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">*Aggregate
                reserves are reduced by funds withheld agreements that results in a reclassification of reserves to Funds held under reinsurance treaties on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus in the amount of
                $10,034 and $139 as of December 31, 2023 and 2022, respectively.</font></td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Reinsurance reserves, recoverables, and receivables
        at December&#160;31, 2023 and 2022, are covered by collateral of $14,101 and $12,894, respectively, in addition to the letter of credit on behalf of AZMO, as noted in Note 2.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Life insurance, annuities, and accident and health business assumed
        from and ceded to other companies are as follows: </font></div>
    <div style="margin-top:5pt;padding-left:27pt">
      <table id="zbcad298f5eee4b9481f581e0d9ace5da" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.494%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:32.758%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.587%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.648%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.587%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.648%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.587%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.648%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.587%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.650%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Year ended</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Direct amount</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Ceded to other companies</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Assumed from other companies</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Net amount</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">December 31, 2023</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life
                insurance in-force</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">89,951&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">52,123&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">42&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">37,870&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Premiums:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,649&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">102&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,547&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Annuities</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,985&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,208&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">15,777&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Accident and
                health</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">177&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">73&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">75&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">179&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total premiums</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18,811&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,383&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">75&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">17,503&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr style="height:12pt">
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">December 31, 2022</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life
                insurance in-force</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">80,796&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">48,002&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">41&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">32,835&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Premiums:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,537&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">94&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,443&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Annuities</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">13,438&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">762&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">12,676&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Accident and
                health</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">170&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">71&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">70&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">169&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total premiums</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">15,145&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">927&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">70&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">14,288&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr style="height:12pt">
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">December 31, 2021</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life
                insurance in-force</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">65,088&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">41,500&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">50&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">23,638&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Premiums:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,453&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">94&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,360&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Annuities</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">13,226&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">623&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">12,603&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Accident and
                health</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">168&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">68&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">62&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">162&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total premiums</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">14,847&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">785&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">63&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">14,125&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="height:46.8pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 58 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:104.4pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company holds securities backing term life and
        universal life with secondary guarantees ceded reserves in compliance with Actuarial Guideline 48. As of both December&#160;31, 2023 and 2022, the Company had 8 reinsurance contracts in which risks under covered policies have been ceded. The Company
        held primary securities in an amount at least equal to the required level of primary securities for all of these contracts. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There are no nonaffiliated reinsurers owned in
        excess of 10% or controlled, either directly or indirectly, by the Company or by a representative, officer, trustee, or director of the Company. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There are no policies issued by the Company that
        have been reinsured with a company chartered in a country other than the United States that is owned in excess of 10% or controlled directly or indirectly by an insured, a beneficiary, a creditor, or any other person not primarily engaged in the
        insurance business. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company does not have any reinsurance agreements
        in effect under which the reinsurer may unilaterally cancel any reinsurance for reasons other than for nonpayment of premium or other similar credits. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company does not have reinsurance agreements in
        effect such that the amount of losses paid or accrued through the statement date may result in a payment to the reinsurer of amounts that, in aggregate and allowing for offset of mutual credits from other reinsurance agreements with the same
        reinsurer, exceed the total direct premium collected under the reinsured policies. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company did not write off any uncollectible
        recoverables during 2023, 2022, or 2021.</font></div>
    <div style="padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company executed or amended the following agreements during the current year,
        that included policies or contracts that were in force as of the effective date of the agreement:</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company maintains a modified-coinsurance
        agreement with Resolution Re for certain fixed-indexed annuities and Resolution Re has a retrocession agreement with Talcott Life Re for 20% of the quota-share. A novation of that agreement resulted in Talcott Life Re directly facing Allianz Life
        instead of facing Resolution Re. This does not result in the modification or derecognition of the novated reinsured liabilities, and does not have any financial impact on the Company.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Effective November 30, 2023, the Company amended a
        reinsurance agreement with Talcott Life Re that covered an inforce block of certain fixed-indexed annuities. The amendment converted the agreement from a modified coinsurance basis to a funds withheld coinsurance basis, and did not result in a
        change in the reinsurance credits taken. This amendment resulted in reserves being reclassified from Life policies and annuity contracts on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus to Funds held under
        reinsurance treaties on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus which amounted to $10,016 as of the effective date and $9,757 as of December 31, 2023.</font></div>
    <div style="height:46.8pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 59 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(12)&#160;&#160;&#160;&#160;Annuity Actuarial Reserves and Deposit Liabilities by Withdrawal Characteristics</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Information regarding the Company&#8217;s annuity actuarial reserves and
        deposit liabilities by withdrawal characteristics at December&#160;31 is as follows: </font></div>
    <div style="margin-top:5pt;padding-left:27pt">
      <table id="z458065ca28f34afc9f821f88d14a2e11" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.428%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:47.048%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.571%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.091%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.571%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.091%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.571%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.091%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.571%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.095%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Percentage of total</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Percentage of total</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subject to discretionary
                withdrawal:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">With market
                value adjustment</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">61,551&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">40&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">54,155&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">37&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">At book
                value less current surrender charges of 5% or more</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">39,841&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">26&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">34,062&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">23&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">At market
                value</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">15,527&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">15,629&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 30.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total with
                adjustment or at market value</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">116,919&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">76&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">103,846&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">70&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">At book
                value without adjustment (minimal or no charge or adjustment)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">30,105&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">34,870&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">24&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Not subject
                to discretionary withdrawal</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7,718&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,187&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">6&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 30.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total gross</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">154,742&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">146,903&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">100&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">%</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reinsurance ceded</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">23,033&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">12,936&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 30.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total net</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">131,709&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">133,967&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Amount included in At
                book value less current charges of 5% or more that will move to At book value without adjustment in the year after the statement date:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,825&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,376&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:3pt double #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-top:5pt;padding-left:27pt"><br>
    </div>
    <div style="padding-left:27pt">
      <table id="z84c7c70cfb7f4623aad4bf70ae8ed205" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.279%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:67.988%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.572%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.583%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.572%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:13.585%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reconciliation of total annuity actuarial
                reserves and deposit fund liabilities:</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Life, Accident and
                Health Annual Statement:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Annuities, net
                (excluding supplementary contracts with life contingencies)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">80,492&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">89,017&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Supplemental
                contracts with life contingencies, net</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,978&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,036&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Deposit-type
                contracts</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,842&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,233&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 48.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subtotal</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">86,312&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">95,286&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Separate Accounts Annual
                Statement:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Annuities, net
                (excluding supplementary contracts with life contingencies)</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">45,381&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">38,667&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Supplemental
                contracts with life contingencies, net</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">14&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 48.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subtotal</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">45,397&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">38,681&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 61.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total
                annuity actuarial reserves and deposit fund liabilities</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">131,709&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">133,967&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="height:36pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 60 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(13)&#160;&#160;&#160;&#160;Life Actuarial Reserves by Withdrawal Characteristics</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Information regarding the Company&#8217;s life actuarial
        reserves by withdrawal characteristics at December&#160;31 is as follows: </font></div>
    <div style="margin-top:5pt;padding-left:27pt">
      <table id="z8edcf48db5964785924dc583c9f4645b" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:85.714%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:45.254%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.955%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.740%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:17.651%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2023</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">General Account</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Account value</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Cash value</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Reserve</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Subject to discretionary withdrawal, surrender values, or policy loans:</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Universal
                life</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">754&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">752&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">758&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Universal
                life with secondary guarantees</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">58&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">54&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">141&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Indexed life</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,957&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,820&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,869&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other
                permanent cash value life insurance</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">86&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">86&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">86&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Variable
                universal life</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Miscellaneous
                reserves</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">302&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Not subject to
                discretionary withdrawal or no cash values:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Term policies
                without cash value</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">XXX</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">XXX</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">184&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Disability,
                active lives</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">XXX</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">XXX</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">49&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Disability,
                disabled lives</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">XXX</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">XXX</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Miscellaneous
                reserves</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">XXX</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">XXX</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">39&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total gross</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,857&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,714&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,435&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Reinsurance
                ceded</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">560&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">560&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">791&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 55pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total net</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">9,297&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,154&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,644&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr style="height:12pt">
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">General Account</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Account value</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Cash value</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Reserve</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Subject to discretionary withdrawal, surrender values, or policy loans:</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Universal
                life</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">786&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">785&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">791&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Universal
                life with secondary guarantees</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">58&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">53&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">140&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Indexed life</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,857&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,824&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">6,859&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Other
                permanent cash value life insurance</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">97&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">97&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">97&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Variable
                universal life</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Not subject to
                discretionary withdrawal or no cash values:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Term policies
                without cash value</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">XXX</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">XXX</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">198&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Disability,
                active lives</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">XXX</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">XXX</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">49&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Disability,
                disabled lives</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">XXX</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">XXX</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Miscellaneous
                reserves</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">XXX</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">XXX</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">40&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total gross</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,800&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,761&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,181&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Reinsurance
                ceded</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">587&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">587&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">848&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 55pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total net</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,213&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,174&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,333&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr style="height:12pt">
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="12"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">The Company does not
                have any life policies with guarantees in the separate account.</font></td>
          </tr>
          <tr style="height:12pt">
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>

      </table>
    </div>
    <div style="height:54pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 61 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-top:5pt;padding-left:27pt">
      <table id="z80dc8cf17ef0450c87577001c5849f92" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:85.714%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:45.254%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:16.955%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.740%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:17.651%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2023</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Separate Account
                Nonguaranteed</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Account value</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Cash value</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Reserve</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Subject to discretionary withdrawal, surrender values, or policy loans:</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Variable
                universal life</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total gross</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Reinsurance
                ceded</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 55pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total net</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr style="height:15pt">
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="9"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Separate Account
                Nonguaranteed</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Account Value</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Cash Value</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Reserve</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Subject to discretionary withdrawal, surrender values, or policy loans:</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 18.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Variable
                universal life</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total gross</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Reinsurance
                ceded</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 55pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total net</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="padding-left:27pt">
      <table id="zf02f247dca23464c845e7cd1e54cf5df" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.434%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:54.640%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:21.029%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:21.031%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr style="height:12pt">
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Reconciliation of total life actuarial reserves:</font></td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Life, Accident,
                and Health Annual Statement:</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Life
                insurance, net</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,274&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,263&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Disability,
                active lives, net</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">46&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">47&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Disability,
                disabled lives, net</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Miscellaneous
                reserves, net</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">323&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">22&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 55pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Subtotal</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,644&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,333&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Separate
                Accounts Annual Statement:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 30.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Life
                insurance, net</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 55pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Subtotal</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">17&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">16&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 66.25pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Total life
                actuarial reserves</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">8,661&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">7,349&#160;</font></td>
            <td style="background-color:#ffffff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt"><br>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(14)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Separate Accounts</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s separate accounts represent funds held
        for the benefit of contract holders entitled to payments under variable annuity contracts, variable life policies and market value adjusted annuity contracts issued through the Company&#8217;s separate accounts and underwritten by the Company. As of
        December&#160;31, 2023 and 2022, the Company's separate accounts are classified as nonguaranteed. Information regarding the Company&#8217;s separate accounts for the years ended December&#160;31 is as follows:</font></div>
    <div style="height:54pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 62 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-top:5pt;padding-left:27pt">
      <table id="z4273a4e850254037bfc3ad7de81a690e" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:85.863%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:56.265%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:19.870%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.666%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:19.699%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Premiums,
                considerations, or deposits</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,405&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,839&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr style="height:14pt">
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reserves:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reserves for
                accounts with assets at fair value</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">15,695&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">15,788&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 10pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reserves for
                accounts with assets at amortized cost</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">29,719&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">22,909&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total reserves</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">45,414&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">38,697&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">By withdrawal
                characteristics:</font></td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 10.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">At book
                value without MV adjustment and with current surrender charge of 5% or more</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">25,533&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">19,533&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 10.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">At fair
                value</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">15,658&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">15,753&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 10.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">At book
                value without MV adjustment and with current surrender charge of less than 5%</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,192&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">3,382&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Subtotal</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">45,383&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">38,668&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 10.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Not subject
                to discretionary withdrawal</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">31&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">29&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">45,414&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">38,697&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2023 and 2022, the Company&#8217;s
        separate accounts included legally insulated assets and non-insulated assets attributed to the following products/transactions: </font></div>
    <div style="margin-top:5pt;padding-left:27pt">
      <table id="z9129b7c8eda04de9a1bc275d4623717f" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.494%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:43.781%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.217%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.128%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.128%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.587%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.128%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:12.131%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="6"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="6"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Product/transaction</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Legally insulated</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Not legally insulated</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Legally insulated</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Not legally insulated</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Variable Annuities</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">15,462&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">15,624&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Variable Life</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">17&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Variable Annuities
                (Non-Unitized Insulated)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">453&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">411&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Variable Annuities
                (Non-Unitized Non-Insulated)</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">36,826&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">27,420&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Variable Annuities (MN
                MVA)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">23&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">31&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">15,932&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">36,849&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">16,051&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">27,451&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s separate account liabilities contain
        guaranteed benefits. The liabilities for guaranteed benefits are supported by the Company&#8217;s general account assets. To compensate the general account for the risk taken, the separate account paid risk charges of $155, $163, $171, $180, and $204
        during the past five years, respectively. The general account of the Company paid $59, $59, $4, $19, and $16 towards separate account guarantees during the past five years, respectively.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2023 and 2022, the Company has
        lent assets with a carrying value of $852 and $1,399, and a fair market value of $741 and $1,149, respectively. The Company lends the securities and the borrower provides cash collateral and short term securities to support the loan. The aggregate
        amount of collateral received was $761 and $1,179 as of December&#160;31, 2023 and 2022, which was comprised of $760 and $1,059 of cash collateral and $1 and $120 of non-cash collateral, respectively. The Company's separate account securities lending
        program is the same as the general account program.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><br>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><br>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><br>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><br>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><br>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><br>
    </div>
    <div style="height:54pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 63 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A reconciliation of net transfers to (from) separate
        accounts for the years ended December 31 is included in the following table: </font></div>
    <div style="margin-top:5pt;padding-left:27pt">
      <table id="zd556e927a68544e3a647c9abe105bfa3" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.345%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:51.423%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.199%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.588%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.199%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.588%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.203%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 4pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Transfers as
                reported in the Summary of Operations of the Separate Accounts Annual Statement:</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Transfers to
                separate accounts</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,405&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4,839&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5,927&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Transfers
                from separate accounts</font></td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(4,579)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(3,106)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(3,507)</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 37pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Net transfers
                to separate accounts</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">826&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,733&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,420&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Reconciling adjustments:</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 25.75pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Other
                adjustments</font></td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1)</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Transfers as reported in
                the Statutory Statements of Operations</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">834&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1,732&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">2,424&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-top:3pt;padding-left:27pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(15)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;padding-left:10.34pt">Related-Party Transactions</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(a) &#160;&#160;&#160;&#160;Organization Changes</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On January 1, 2021, the Company formed Allianz
        Strategic Investments (ASI), a non-insurance subsidiary. ASI&#8217;s sole operations are investment activities associated with direct equity holdings performed in coordination with Allianz Life. Allianz Life has made various capital contributions into
        ASI in the form of preferred and common stock investments as indicated in the table below in 15(e).</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The company legally dissolved and terminated its
        subsidiary Questar Asset Management (QAM) on September 30, 2021. Upon termination, QAM paid a dividend to Yorktown. Yorktown subsequently paid a dividend to the Company as indicated in the table below in 15(e). </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On November 30, 2022, the Company sold Allianz
        Individual Insurance Group (AIIG) and its wholly-owned subsidiaries, TruChoice Financial Group, LLC and Inforce Solutions, LLC.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(b)&#160;&#160;&#160;&#160;Related-Party Invested
        Assets</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has an agreement to lend AZOA $39. The
        remaining loan balance was $25 and $30 as of December&#160;31, 2023 and 2022, respectively, and is included in Other invested assets on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. Repayment of this loan began in
        2021 and has a final maturity date of August 30, 2026. The interest rate is a fixed rate of 4.49%. Interest income earned and accrued had an immaterial impact to the Company during 2023, 2022, and 2021, respectively. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company invests in limited partnerships that are
        managed by its affiliate Pacific Investment Management Company (PIMCO). The total committed capital for the limited partnerships is $234 and $223 of which $91 and $91 is unfunded as of December&#160;31, 2023 and 2022, respectively. As of December&#160;31,
        2023 and 2022, the fair value of the investment is $248 and $143 respectively, and is recorded in Other invested assets on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.</font></div>
    <div style="margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has a seed money investment in exchange traded funds that
        are managed by a related party, PIMCO, with reported balances of $30 and $31 as of December&#160;31, 2023 and 2022, respectively, within Other invested assets on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. There is
        no additional commitment related to these investments.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company invests in bonds that are managed by a
        related party, PIMCO. The Company's committed capital for the PIMCO bonds was $1,315 and $1,260 as of December&#160;31, 2023 and 2022, respectively, of which $423 and $488 was unfunded as of December&#160;31, 2023 and 2022, respectively. The Company reported
        balances of $804 and $725 as of December&#160;31, 2023 and 2022, respectively, related to the PIMCO bonds within Bonds on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.</font></div>
    <div style="padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has a seed money investment in exchange traded funds that are managed by
        a related party, AIM. The Company reported a balance of $89 and $57 as of December&#160;31, 2023 and 2022 related to the seed money </font></div>
    <div style="height:54pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 64 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">investment within Stocks on the Statutory Statements of Admitted Assets, Liabilities,
        and Capital and Surplus. There is no additional commitment related to these investments.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(c) &#160;&#160;&#160;&#160;Service
        Fees</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company incurred fees for services provided by
        affiliated companies of $409, $205, and $194 in 2023, 2022, and 2021, respectively. The Company&#8217;s liability for these expenses was $47 and $32 at December&#160;31, 2023 and 2022, respectively, and is included in Other liabilities on the Statutory
        Statements of Admitted Assets, Liabilities, and Capital and Surplus. In the normal course of business, the outstanding amount is settled in cash.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company earned revenues for various services
        provided to affiliated companies and subsidiaries of $99, $80, and $71 in 2023, 2022, and 2021, respectively. The receivable for these revenues was $7 and $6 as of December&#160;31, 2023 and 2022, respectively, and is included in Other assets on the
        Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. In the normal course of business, the outstanding amount is settled in cash.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has agreements with its affiliates PIMCO
        and with certain other related parties whereby (1) specific investment options managed by PIMCO are made available through the Company's separate accounts to holders of the Company's variable annuity products, and (2) the Company receives
        compensation for providing administrative and recordkeeping services relating to the investment options managed by PIMCO. Income recognized by the Company from this affiliate for distribution and in-force related costs as a result of providing
        investment options to the contractholders was $4, $5, and $7 during 2023, 2022, and 2021, respectively, which is included in Fees from separate accounts on the Statutory Statements of Operations. At December&#160;31, 2023 and 2022, $0 and $0,
        respectively, were included for related receivables of these fees in Other assets on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has incurred commission expense related
        to the distribution of variable annuity products from Allianz Life Financial Services, LLC (ALFS) in the amount of $402, $372, and $427 for the years ended December&#160;31, 2023, 2022, and 2021, respectively. The Company has an agreement with ALFS,
        whereby interest receivable is assigned to the Company and 12b-1 fee receivables are assigned to the Company and AZNY. The Company has also agreed with AZNY to share in reimbursing ALFS for direct and indirect expenses incurred in performing
        services for the Company and AZNY. In the event that assigned receivables exceed expenses, ALFS records a dividend-in-kind to the Company and a loss on the transaction with AZNY. The Company recorded a net (expense) revenue from this agreement of
        $(51), $(42), and $(42) for the years ended December&#160;31, 2023, 2022, and 2021, respectively. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(d)
        &#160;&#160;&#160;&#160;Dividends to Parent</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company paid cash dividends to AZOA of $500,
        $4,100, and $900 in 2023, 2022, and 2021, respectively. Based on the ordinary dividend limitations set forth under Minnesota Insurance Law, the dividends paid in 2023 were ordinary and 2022, and 2021 were considered extraordinary.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(e) &#160;&#160;&#160;&#160;Capital
        Contributions and Dividends with Subsidiaries</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During the years ended December 31, the Company
        received dividends from its subsidiaries as follows:</font></div>
    <div style="margin-top:5pt;padding-left:54pt">
      <table id="z5f387673e9b6488889eefed7e1378b09" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:85.565%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:46.726%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.669%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.421%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.669%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.421%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.669%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.425%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Allianz Investment
                Management, LLC</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">34&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">47&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">41&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3">
              <div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">AZL PF Investments, Inc. (AZLPF) </font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:100%;position:relative;top:-3.5pt;vertical-align:baseline">(1)</font></div>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">67&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">30&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Allianz Individual
                Insurance Group, LLC (AIIG)</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">5&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">4&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total </font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">101&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">82&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">45&#160;</font></td>
            <td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr style="height:21pt">
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" rowspan="2" colspan="21"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(1)
                Dividends received from AZLPF includes $38 of dividends that originated from Allianz Fund Investments, Inc., which paid dividends to its immediate parent, Dresdner Kleinwort Pfandbriefe Investments II, Inc. ("DKPII"). DKPII then paid
                dividends to AZLPF, which subsequently paid dividends to the Company.</font></td>
          </tr>
          <tr style="height:21pt">
            <td style="display:none" colspan="21"></td>
          </tr>

      </table>
    </div>
    <div style="height:54pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 65 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During the years ended December 31, the Company made
        capital contributions to subsidiaries as follows:</font></div>
    <div style="margin-top:5pt;padding-left:54pt">
      <table id="z46075f7efdf04bff9361d2f843402350" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:89.136%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:48.816%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.634%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.759%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.634%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.759%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.634%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.764%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2023</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2022</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">2021</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">AZNY</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">30&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">30&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Allianz Investment
                Management U.S. LLC (AIM US)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
            <td style="display:none" colspan="3"></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">ALFS</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">51&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">42&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">48&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Allianz Strategic
                Investments, LLC (ASI)</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">7&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">13&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">66&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Total</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">88&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">85&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">122&#160;</font></td>
            <td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(f) &#160;&#160;&#160;&#160;Reinsurance</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company wholly-owns AZMO, a Special Purpose Life
        Reinsurance Captive Insurance Company domiciled in Missouri. The Company cedes to AZMO, and AZMO provides reinsurance on a coinsurance basis and modified coinsurance basis, a 100% quota share of the Company&#8217;s net liability of level term life
        insurance policies and certain universal life insurance policies written directly by the Company. The total premium and associated reserve amounts ceded from the Company to AZMO for the years ended December&#160;31, 2023, 2022, and 2021 were $3, $3, and
        $2, respectively. The Company recorded a ceding commission of $1 for 2023, 2022, and 2021, respectively. In addition, the Company recorded a deferred gain of $97 upon execution of the reinsurance agreement in 2009, of which $3, $3 and $3 was
        amortized in 2023, 2022, and 2021, respectively, and included in Commissions and expense allowances on reinsurance ceded on the Statutory Statements of Operations.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has reinsurance recoverables and
        receivables related to reinsurance agreements with affiliated entities. Total affiliated reinsurance recoverables and receivables were $5 and $1 as of December&#160;31, 2023 and 2022, respectively, and are included in Other assets on the Statutory
        Statements of Admitted Assets, Liabilities, and Capital and Surplus.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(g) &#160;&#160;&#160;&#160;Line of Credit Agreement</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has a line of credit agreement with its
        subsidiary, AZNY, to provide liquidity, as needed. The Company&#8217;s lending capacity under the agreement is limited to 5% of the general account admitted assets of AZNY as of the preceding year end. The Company provided $30 to AZNY under the terms of
        this agreement on May 10, 2022. The full amount was repaid on June 29, 2022. There was no outstanding balance under the line of credit agreement as of December&#160;31, 2023 and 2022.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify"><br>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-indent:-27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(h) &#160;&#160;&#160;&#160;SCA or SSAP 48 Entity Loss
        Tracking</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company had the losses from the following entities for the year
        ended December&#160;31, 2023 and did not have any losses for the years ended December 2022 and 2021.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:54pt;text-align:justify">
      <table id="z1dfeed501ef948dc9397c0b33be201ae" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.857%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.566%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.566%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.566%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.566%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.566%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:15.570%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Entity</font></td>
            <td style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Reporting Entity's Share of Entity's Net Income (Loss)</font></td>
            <td style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Accumulated Share of Net Income (Losses)</font></td>
            <td style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Reporting Entity's Share of Equity, Including Negative Equity</font></td>
            <td style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Guaranteed Obligation / Commitment for Financial Support (Yes / No)</font></td>
            <td style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Reported Value</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">AIM U.S. LLC</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(11)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(11)</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">YES</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">Yorktown Holdings</font></td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">YES</font></td>
            <td style="padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</font></td>
            <td style="padding:2px 0;text-align:right;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><br>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:1pt;padding-left:54pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">SCA or SSAP 48 entity losses did not have any impact on other
        investments for the years ended December&#160;31, 2023, 2022, and 2021 respectively.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(16)&#160;&#160;&#160;&#160;Employee Benefit Plans</font></div>
    <div style="margin-bottom:10pt;margin-top:3pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company participates in the Allianz Asset
        Accumulation Plan (AAAP), a defined contribution plan sponsored by Allianz of America Corporation (AZOAC). Eligible employees are immediately enrolled in the AAAP on their first day of employment. The AAAP will accept participants&#8217; pretax, Roth
        401(k), and/or after-tax contributions up to 80% </font></div>
    <div style="height:54pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 66 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:10pt;margin-top:3pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">of the participants&#8217; eligible compensation,
        although contributions remain subject to annual limitations set by the Internal Revenue Service. The Company matches up to a maximum of 7.5% of the employees&#8217; eligible compensation. Participants are 100% vested in the Company&#8217;s matching
        contribution after three&#160;years of service.</font></div>
    <div style="margin-bottom:10pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The AAAP administration expenses and the trust
        fund, including trustee fees, investment manager fees, and audit fees, are payable from the trust fund but may, at the Company&#8217;s discretion, be paid by the Company. All legal fees are paid by the Company. It is the Company&#8217;s policy to fund the AAAP
        costs as incurred. The Company has expensed $15, $15, and $13 in 2023, 2022, and 2021, respectively, toward the AAAP matching contributions and administration expenses.</font></div>
    <div style="margin-bottom:10pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A defined group of highly compensated employees is
        eligible to participate in the AZOAC Deferred Compensation Plan. The purpose of the plan is to provide tax planning opportunities, as well as supplemental funds upon retirement. The plan is unfunded, meaning no assets of the Company have been
        segregated or defined to represent the liability for accrued assets under the plan. Employees are 100% vested upon enrollment in the plan for funds they have deferred. Employees&#8217; funds are invested on a pay period basis and are immediately vested.
        Participants and the Company share the administrative fee. The accrued liability of $78 and $69 as of December&#160;31, 2023 and 2022, respectively, is recorded in Other liabilities on the Statutory Statements of Admitted Assets, Liabilities, and
        Capital and Surplus. </font></div>
    <div style="margin-bottom:10pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company sponsors a nonqualified deferred
        compensation plan for a defined group of agents. The Company can make discretionary contributions to the plan in the form and manner the Company determines reasonable. Discretionary contributions are currently determined based on production. The
        accrued liability of $47 and $50 as of December&#160;31, 2023 and 2022, respectively, is recorded in Other liabilities on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company participates in a stock-based
        compensation plan sponsored by Allianz SE, which awards certain employees Restricted Stock Units (RSU) that are tied to Allianz SE stock. Allianz SE determines the number of RSU granted to each participant. The Company records expense equal to the
        change in fair value of the units during the reporting period, which includes the Company's estimate of the number of awards expected to be forfeited. A change in value of $17, $8, and $8 was recorded in 2023, 2022, and 2021, respectively, and is
        included in General and administrative expenses on the Statutory Statements of Operations. The related liability of $34 and $21 as of December&#160;31, 2023 and 2022, respectively, is recorded in Other liabilities on the Statutory Statements of Admitted
        Assets, Liabilities, and Capital and Surplus. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(17)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Statutory Capital and Surplus</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory accounting practices prescribed or
        permitted by the Company&#8217;s state of domicile are directed toward insurer solvency and protection of policyholders. As such, the Company is required to meet minimum statutory capital and surplus requirements. The Company&#8217;s statutory capital and
        surplus as of December&#160;31, 2023 and 2022, were in compliance with these requirements. The maximum amount of ordinary dividends that can be paid by Minnesota insurance companies to the stockholder without prior approval of the Department is subject
        to restrictions relating to statutory earned surplus, also known as unassigned funds. Unassigned funds are determined in accordance with the accounting procedures and practices governing preparation of the statutory annual statement. In accordance
        with Minnesota Statutes, the Company may declare and pay from its Unassigned surplus cash dividends of not more than the greater of 10% of its prior year-end statutory surplus, or the net gain from operations before net realized capital gain of the
        insurer for the 12-month period ending the 31st day of the next preceding year. Based on these limitations, ordinary dividends of $1,587 can be paid in 2024 without prior approval of the Department. </font></div>
    <div style="padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Regulatory Risk-Based Capital</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">An insurance enterprise&#8217;s state of domicile imposes
        minimum risk-based capital requirements that were developed by the NAIC. The formulas for determining the amount of risk-based capital specify various weighting factors that are applied to financial balances or various levels of activity based on
        the perceived degree of risk. Regulatory compliance is determined by a ratio of an enterprise&#8217;s regulatory total adjusted capital to its authorized control level risk-based capital, as defined by the NAIC. Companies below specific trigger points or
        ratios are classified within certain levels, </font></div>
    <div style="height:54pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 67 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">each of which requires specified corrective action.
        This ratio for the Company significantly exceeds required minimum thresholds as of December&#160;31, 2023 and 2022.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(18)&#160;&#160;&#160;&#160;Direct Premiums Written by Third-Party Administrators</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has direct premiums written by
        third-party administrators (TPAs). The types of business written by the TPAs include life, accidental death and dismemberment, medical, disability, excess risk, and LTC. The authority granted to the TPAs includes binding authority, claims payment,
        claims adjustment, underwriting, and premium collection. Total premiums written by TPAs were $255, $204, and $136 for 2023, 2022, and 2021, respectively. For the years ended December&#160;31, 2023, 2022, and 2021, there were no individual TPAs that
        wrote premiums that equaled at least 5% of the capital and surplus of the Company. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(19)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Capital Structure</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is authorized to issue three types of capital stock, as
        outlined in the table below:</font></div>
    <div style="margin-top:5pt;padding-left:27pt">
      <table id="z1fe118dcfafa4c94a1138e2138d98994" style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:93.154%">

          <tr>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:23.181%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.598%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.395%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.598%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:14.395%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.598%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:11.679%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:0.598%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
            <td style="width:1.0%"><br>
            </td>
            <td style="width:27.658%"><br>
            </td>
            <td style="width:0.1%"><br>
            </td>
          </tr>
          <tr>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Authorized</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Issued and outstanding</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Par value, per share</font></td>
            <td style="padding:0 1pt" colspan="3"><br>
            </td>
            <td style="padding:2px 1pt;text-align:center;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Redemption and liquidation rights</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Common stock</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">40,000,000&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">20,000,001&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.00&#160;</font></td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">None</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Preferred stock:</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Class A
                (consisting of Series A and B below)</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">200,000,000&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">18,903,484&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.00&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Designated by
                Board for each series issued</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:top" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Class A, Series A</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,909,195&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">8,909,195&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.00&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$35.02 per
                share plus an amount to yield a compounded annual return of 6%, after actual dividends paid</font></td>
          </tr>
          <tr>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:top" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Class A, Series B</font></td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">10,000,000&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">9,994,289&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.00&#160;</font></td>
            <td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#cceeff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#cceeff;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$35.02 per
                share plus an amount to yield a compounded annual return of 6%, after actual dividends paid</font></td>
          </tr>
          <tr>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 12.25pt;text-align:left;vertical-align:top" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Class B</font></td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">400,000,000&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top" colspan="2"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">$</font></td>
            <td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">1.00&#160;</font></td>
            <td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><br>
            </td>
            <td style="background-color:#ffffff;padding:0 1pt" colspan="3"><br>
            </td>
            <td style="background-color:#ffffff;padding:2px 10pt 2px 1pt;text-align:justify;vertical-align:top" colspan="3"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Designated by
                Board for each series issued</font></td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Holders of Class&#160;A preferred stock and of common
        stock are entitled to one vote per share with respect to all matters presented to or subject to the vote of shareholders. Holders of Class&#160;B preferred stock have no voting rights. All issued and outstanding shares are owned by AZOA. See Note&#160;1 for
        further discussion.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Each share of Class&#160;A preferred stock is convertible
        into one share of the Company&#8217;s common stock. The Company may redeem any or all of the Class&#160;A preferred stock at any time. Dividends will be paid to each class of stock only when declared by the BOD. In the event a dividend is declared, dividends
        must be paid to holders of Class&#160;A preferred stock, Class&#160;B preferred stock, and common stock, each in that order.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As discussed in Note&#160;15 to these Statutory Financial
        Statements, the Company carried out various capital transactions with related parties during 2023, 2022, and 2021.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(20)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Reconciliation to the Annual Statement</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is required to file an Annual Statement
        with the Department. As of December&#160;31, 2023 and 2022, there is no difference in admitted assets or liabilities between this report and the Annual Statement. As of December&#160;31, 2023, 2022, and 2021, there is no difference in capital and surplus or
        net income between this report and the Annual Statement.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(21)&#160;&#160;&#160;&#160;Commitments and Contingencies</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company and its subsidiaries are named as
        defendants in various pending or threatened legal proceedings on an ongoing basis, arising from the conduct of business, including three putative class action proceedings: Sanchez v. </font></div>
    <div style="height:54pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 68 of 69</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt"><br>
        </div>
      </div>
    </div>
    <hr style="page-break-after:always">
    <div style="min-height:108pt;width:100%">
      <div style="text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><br>
      </div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:700;line-height:174%">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">Notes to Statutory Financial Statements</font></div>
      <div style="margin-bottom:3pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:11pt;font-weight:400;line-height:120%">(Dollars in millions, except share data and security holdings quantities)</font></div>
      <div style="margin-bottom:6pt;margin-top:6pt"><br>
      </div>
    </div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Allianz Life Ins. Co. of North America (Superior
        Court of California, L.A. County, BC594715), Small v. Allianz Life Ins. Co. of North America (United Stated District Court, Central District of California, Case No. 2:20-cv-01944-AB (KESx)(Small I), and Small v Allianz Life Ins. Co. of North
        America (Superior Court of California, L.A. County, 22STCV17838)(Small II). The Sanchez case was certified as a class; and the parties settled the matter and the settlement has been granted final approval by the Court. The two Small cases are
        related. Small I case has been certified as a class action. The court granted partial judgment in favor of the class, with damages yet to be tried, and granted partial judgment to the Company on claims of class members with time-barred claims. The
        class certification decision is on appeal, and the district court action is stayed pending appeal. Small II has not been certified as a class action and is currently stayed. The Company generally intends to vigorously contest the lawsuits, but may
        pursue settlement negotiations in some cases, if appropriate. The outcome of the cases is uncertain at this time, and there can be no assurance that such litigation, or any future litigation, will not have a material adverse effect on the Company
        and/or its subsidiaries. The Company recognizes legal costs as incurred. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is contingently liable for possible
        future assessments under regulatory requirements pertaining to insolvencies and impairments of unaffiliated insurance companies. Provision has been made for assessments currently received and assessments anticipated for known insolvencies.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The financial services industry, variable and fixed
        annuities, life insurance, distribution companies, and broker-dealers, is subject to close scrutiny by regulators, legislators, and the media.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Federal and state regulators, such as state
        insurance departments, state securities departments, the SEC, the Financial Industry Regulatory Authority, the Internal Revenue Service, and other regulatory bodies regularly make inquiries and conduct examinations or investigations concerning
        various selling practices, including suitability reviews, product exchanges, sales to seniors, and compliance with, among other things, insurance and securities law. The Company is and may become subject to ongoing market conduct examinations and
        investigations by regulators, which will or may result in fines and/or otherwise have a material adverse effect on the Company.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">It can be expected that annuity and life product
        designs, management, and sales practices will be an ongoing source of regulatory scrutiny and enforcement actions, litigation, and rulemaking.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">These matters could result in legal precedents and
        new industry-wide legislation, rules, and regulations that could significantly affect the financial services industry, including life insurance and annuity companies. It is unclear at this time whether any such litigation or regulatory actions will
        have a material adverse effect on the Company in the future. </font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Certain guarantees of the Company provide for the
        maintenance of a subsidiary&#8217;s regulatory capital, surplus levels and liquidity sufficient to meet certain obligations. Those unlimited guarantees are made on behalf of certain wholly owned subsidiaries (AZNY, AZMO, ALFS and Questar Capital
        Corporation, through its parent, Yorktown). These guarantees are not limited and cannot be estimated as of the balance sheet date. From time to time, the Company makes capital contributions to these subsidiaries as needed under the guarantees.
        Capital contributions made during the years ended December&#160;31, 2023, 2022, and 2021 are detailed in Note&#160;15.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company had investments in limited partnerships
        that required a commitment of capital of $659 and $446 for the years ended December&#160;31, 2023 and 2022, respectively. The Company had commitments to fund private placement investments of $3,107 and $1,889 as of December&#160;31, 2023 and 2022,
        respectively.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(22)&#160;&#160;&#160;&#160;Subsequent Events</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has evaluated subsequent events through
        April 8, 2024, which is the date the Statutory Financial Statements were available to be issued. No material subsequent events have occurred since December&#160;31, 2023 that require adjustment to the Statutory Financial Statements.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;padding-left:27pt;text-align:justify"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In March 2024, the Company made a capital
        contribution of $30 to Allianz Life Insurance Company of New York.</font></div>
    <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><br>
    </div>
    <div style="margin-bottom:10pt;margin-top:6pt;text-align:justify"><br>
    </div>
    <div style="height:54pt;position:relative;width:100%">
      <div style="bottom:0;position:absolute;width:100%">
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><br>
        </div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Statutory Financial Statements as of December 31, 2023</font></div>
        <div style="margin-bottom:6pt;margin-top:6pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Page 69 of 69</font></div>
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    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
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  </div>
  <div style="line-height: 10.25pt;">
    <div>
      <div><a name="xx_8e2ce358-2693-4e52-ba51-79461f661716_1"></a>
        <div style="page-break-after:always;position:relative;">
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:36pt;width:494pt;min-height:670pt;">
            <div style="line-height:13.0pt;margin-top:12pt;text-align:left;">
              <hr style="background-color: #000000; height: 2pt; margin-bottom: 2pt; margin-left: 0%; margin-top: 0pt; top: -2pt; width: 494pt;"><font style="color:#000000;font-family:Arial;font-size:11pt;text-transform:uppercase;">For Service or More
                Information</font><font style="color:#000000;font-family:Arial;font-size:11pt;line-height:13pt;"> </font></div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The Form N-4 Statement of Additional Information (SAI) contains additional information about the Contract, Allianz Life, and the Separate
                  Account. The SAI is dated the same date as this prospectus, and the SAI is incorporated by reference into this prospectus. This prospectus and the SAI can be found online at www.allianzlife.com/prospectuses. You can also request this
                  information at no cost by calling (800) 624-0197, or by sending an email request to contact.us@allianzlife.com.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">The SEC maintains a website www.sec.gov. The prospectus, the Form N-4 SAI and other information about the Contract are available on the EDGAR
                  database on the SEC&#8217;s website. Copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;text-transform:uppercase;">Our Service Center</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">If you need customer service (for Contract changes, information on Contract Values, requesting a withdrawal or transfer, changing your
                  allocation instructions, etc.) please contact our Service Center at </font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">(800) 624-0197</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">.</font><font style="color:#000000;font-family:Times New Roman;font-size:10pt;line-height:12pt;"> </font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">To send applications, and/or a check for an additional Purchase Payment, or for general customer service, please mail to the appropriate
                  address as follows:</font><font style="color:#000000;font-family:Times New Roman;font-size:1pt;">&#8195;</font></div>
            </div>
            <div style="line-height:0.0pt;text-align:left;">
              <div style="margin-top:6pt;"> </div>
            </div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" style="empty-cells:show;width:494pt;" id="z8a6d915945b9460990d2e3698634aa37">

                  <tr style="height:28.25pt;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.25pt;padding-top:2.25pt;vertical-align:Bottom;width:494pt;">
                      <div style="line-height:13.0pt;text-align:left;">
                        <div style="border-bottom:0.5pt solid #000000;padding-bottom:1pt;">
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.00pt;">To send applications, and/or a check for an additional Purchase Payment,</font></div>
                          <div style="text-align:Center;white-space:nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;">or for general customer service, please mail to the appropriate address as follows:</font></div>
                        </div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:15.25pt;">
                    <td style="padding-bottom:3pt;padding-top:2.25pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">REGULAR MAIL</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:37pt;">
                    <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allianz Life Insurance Company of North America</font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">P.O. Box 59060</font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Minneapolis MN 55459-0060</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:14pt;">
                    <td style="vertical-align:Top;width:494pt;">
                      <div style="line-height:0.5pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">&#160;</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:13pt;">
                    <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;margin-left:0.0pt;">OVERNIGHT, CERTIFIED, OR REGISTERED MAIL</font></div>
                      </div>
                    </td>
                  </tr>
                  <tr style="height:36pt;">
                    <td style="padding-top:3pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Allianz Life Insurance Company of North America</font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">5701 Golden Hills Drive</font></div>
                        <div style="white-space: nowrap;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;margin-left:0.0pt;">Minneapolis MN 55416-1297</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:0.0pt;text-align:left;"><font style="color:#000000;font-family:Arial Narrow;font-size:1pt;">&#8195;</font></div>
            <div style="margin-top:0.0pt;">
              <table cellspacing="0" cellpadding="0" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:494pt;" id="za1e602826b3644f49853f387372c8ddf">

                  <tr style="height:auto;">
                    <td style="background-color:#D8D8D8;padding-bottom:2.5pt;padding-top:2.5pt;vertical-align:Top;width:494pt;">
                      <div style="line-height:12pt;text-align:left;">
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Checks sent to the wrong address for applications or
                            additional Purchase Payments are forwarded to the 5701 </font></div>
                        <div style="margin-left: 4pt; margin-right: 4pt; white-space: nowrap;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Golden Hills Drive address listed above, which may
                            delay processing.</font></div>
                      </div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="line-height:12.0pt;margin-top:9pt;text-align:left;">
              <div style="margin-top:9pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">For general customer service by email, please use this address: contact.us@allianzlife.com. To send information by email, please use this
                  address: variableannuity@send.allianzlife.com. To send information over the web, please upload to your account on our website at: www.allianzlife.com. If you have questions about whether you can submit certain information by email or over
                  the web, please contact our Service Center.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.0pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">All dealers that effect transactions in these securities are required to deliver a prospectus.</font></div>
            </div>
            <div style="line-height:12.0pt;margin-top:6.0pt;text-align:left;">
              <div style="margin-top:6pt;"><font style="color:#000000;font-family:Times New Roman;font-size:10pt;">EDGAR Contract ID No.: C000241221</font></div>
            </div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:50pt;margin-top:4pt;width:494pt;min-height:13pt;">
            <div style="line-height:10.0pt;text-align:center;">
              <hr style="background-color:#000000;height:0.5pt;margin-bottom:0pt;margin-left:0%;margin-top:0pt;text-align:left;top:2pt;width:494pt;"><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;margin-left:0%;">Allianz Index Advantage+&#160;Income</font><font style="color:#000000;font-family:Arial Narrow;font-size:4.5pt;font-weight:bold;line-height:10pt;position:relative;top:-7pt;">&#174;</font><font style="color:#000000;font-family:Arial Narrow;font-size:10pt;font-weight:bold;line-height:10pt;"> Variable Annuity Prospectus &#8211; May 1, 2024</font></div>
          </div>
          <div style="clear:both;"> </div>
          <div style="float:left;margin-left:270pt;margin-top:margin-left:50pt;margin-top:15pt;width:494pt;;width:60pt;min-height:10pt;">
            <div style="line-height:12.0pt;text-align:center;background-color:#000000;"><font style="color:#FFFFFF;font-family:Arial;font-size:9pt;font-weight:bold;line-height:12pt;margin-left:0%;">&#8201;Back Cover&#8201;</font></div>
          </div>
        </div>
      </div>
      <div style="float:left;margin-bottom:5.0pt;width:100%;"> </div>
      <hr style="clear:both;margin-bottom:0.25pt;margin-left:0.25pt;margin-right:0.25pt;margin-top:40.0pt;">
      <!-- PAGE BREAK --></div>
  </div>
  <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
  </div>
  <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
  </div>
  <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
  </div>
  <div style="text-align: center; line-height: 11.4pt; font-family: Arial; font-size: 10pt;">PART II - INFORMATION NOT REQUIRED IN PROSPECTUS</div>
  <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
  </div>
  <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
  </div>
  <div style="text-align: left; line-height: 11.4pt; font-family: 'Arial Narrow'; font-size: 10pt; font-weight: bold;">ITEM 13.&#160; OTHER EXPENSES OF ISSUANCE AND DISTRIBUTION.</div>
  <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="za3fc52f5ec694d9a8e6eb87f85a8c2a0">

      <tr>
        <td style="width: 80.92%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;Securities and Exchange Commission Registration Fee</div>
        </td>
        <td style="width: 19.08%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">$&#160;&#160; 147,600<br>
          </div>
        </td>
      </tr>
      <tr>
        <td style="width: 80.92%; vertical-align: top;">&#160;</td>
        <td style="width: 19.08%; vertical-align: top;">
          <div style="line-height: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;--------------</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 80.92%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;Estimated Printing and Filing Costs:</div>
        </td>
        <td style="width: 19.08%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">$&#160;&#160; 30,000</div>
        </td>
      </tr>
      <tr>
        <td style="width: 80.92%; vertical-align: top;">&#160;</td>
        <td style="width: 19.08%; vertical-align: top;">
          <div style="line-height: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;--------------</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 80.92%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;Estimated Accounting Fees:</div>
        </td>
        <td style="width: 19.08%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">$&#160; &#160; 75,000</div>
        </td>
      </tr>
      <tr>
        <td style="width: 80.92%; vertical-align: top;">&#160;</td>
        <td style="width: 19.08%; vertical-align: top;">
          <div style="line-height: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">---------------</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 80.92%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;Estimated Legal Fees:</div>
        </td>
        <td style="width: 19.08%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">$&#160; &#160; &#160; &#160; N/A</div>
        </td>
      </tr>
      <tr>
        <td style="width: 80.92%; vertical-align: top;">&#160;</td>
        <td style="width: 19.08%; vertical-align: top;">
          <div style="line-height: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">---------------</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 80.92%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;Estimated Miscellaneous Fees:</div>
        </td>
        <td style="width: 19.08%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">$&#160; &#160; &#160; &#160; N/A</div>
        </td>
      </tr>
      <tr>
        <td style="width: 80.92%; vertical-align: top;">&#160;</td>
        <td style="width: 19.08%; vertical-align: top;">
          <div style="line-height: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;---------------</div>
          <div style="line-height: 12pt; margin-bottom: 6pt;"><font style="line-height: 12pt;">&#160;</font></div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>

  </table>
  <div style="text-align: left; line-height: 11.4pt; font-family: 'Arial Narrow'; font-size: 10pt; font-weight: bold;">ITEM 14.&#160; INDEMNIFICATION OF OFFICERS AND DIRECTORS.</div>
  <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="zf84bccb0c69646b4bf01a7908ce96d6e">

      <tr>
        <td colspan="3" style="width: 100%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">The Bylaws of the Insurance Company provide:</div>
        </td>
      </tr>
      <tr>
        <td colspan="3" style="width: 100%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">ARTICLE XI. INDEMNIFICATION OF DIRECTORS, OFFICERS AND EMPLOYEES</div>
        </td>
      </tr>
      <tr>
        <td colspan="3" style="width: 100%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">SECTION 1. RIGHT TO INDEMNIFICATION:</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.03%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">(a)</div>
        </td>
        <td colspan="2" style="width: 93.97%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Subject to the conditions of this Article and any conditions or limitations imposed by applicable law, the Corporation shall indemnify any employee, director or officer of the
            Corporation (an "Indemnified Person") who was, is, or in the sole opinion of the Corporation, may reasonably become a party to or otherwise involved in any Proceeding by reason of the fact that such Indemnified Person is or was:</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.03%; vertical-align: top;">&#160;</td>
        <td style="width: 5.22%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">(i)</div>
        </td>
        <td style="width: 88.75%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">a director of the Corporation; or</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.03%; vertical-align: top;">&#160;</td>
        <td style="width: 5.22%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">(ii)</div>
        </td>
        <td style="width: 88.75%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">acting in the course and scope of his or her duties as an officer or employee of the Corporation; or</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.03%; vertical-align: top;">&#160;</td>
        <td style="width: 5.22%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">(iii)</div>
        </td>
        <td style="width: 88.75%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">rendering Professional Services at the request of and for the benefit of the Corporation; or</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.03%; vertical-align: top;">&#160;</td>
        <td style="width: 5.22%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">(iv)</div>
        </td>
        <td style="width: 88.75%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">serving at the request of the Corporation as an officer, director, fiduciary or member of another corporation, association, committee, partnership, joint venture, trust, employee
            benefit plan or other enterprise (an "Outside Organization").</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.03%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">(b)</div>
        </td>
        <td colspan="2" style="width: 93.97%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Notwithstanding the foregoing, no officer, director or employee shall be indemnified pursuant to these bylaws under the following circumstances:</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.03%; vertical-align: top;">&#160;</td>
        <td style="width: 5.22%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">(i)</div>
        </td>
        <td style="width: 88.75%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">in connection with a Proceeding initiated by such person, in his or her own personal capacity, unless such initiation was authorized by the Board of Directors;</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.03%; vertical-align: top;">&#160;</td>
        <td style="width: 5.22%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">(ii)</div>
        </td>
        <td style="width: 88.75%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">if a court of competent jurisdiction finally determines that any indemnification hereunder is unlawful;</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.03%; vertical-align: top;">&#160;</td>
        <td style="width: 5.22%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">(iii)</div>
        </td>
        <td style="width: 88.75%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">for acts or omissions involving intentional misconduct or knowing and culpable violation of law;</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.03%; vertical-align: top;">&#160;</td>
        <td style="width: 5.22%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">(iv)</div>
        </td>
        <td style="width: 88.75%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">for acts or omissions that the Indemnified Person believes to be contrary to the best interests of the Corporation or its shareholders or that involve the absence of good faith on the
            part of the Indemnified Person;</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.03%; vertical-align: top;">&#160;</td>
        <td style="width: 5.22%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">(v)</div>
        </td>
        <td style="width: 88.75%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">for any transaction for which the Indemnified Person derived an improper personal benefit;</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.03%; vertical-align: top;">&#160;</td>
        <td style="width: 5.22%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">(vi)</div>
        </td>
        <td style="width: 88.75%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">for acts or omissions that show a reckless disregard for the Indemnified Person's duty to the Corporation or its shareholders in circumstances in which the Indemnified Person was aware
            or should have been aware, in the ordinary course of performing the Indemnified Person's duties, of the risk of serious injury to the Corporation or its shareholders;</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.03%; vertical-align: top;">&#160;</td>
        <td style="width: 5.22%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">(vii)</div>
        </td>
        <td style="width: 88.75%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">for acts or omissions that constitute an unexcused pattern of inattention that amounts to an abdication of the Indemnified Person's duties to the Corporation or its shareholders;</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.03%; vertical-align: top;">&#160;</td>
        <td style="width: 5.22%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">(viii)</div>
        </td>
        <td style="width: 88.75%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">in circumstances where indemnification is prohibited by applicable law;</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.03%; vertical-align: top;">&#160;</td>
        <td style="width: 5.22%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">(ix)</div>
        </td>
        <td style="width: 88.75%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">in the case of service as an officer, director, fiduciary or member of an Outside Organization, where the Indemnified Person was aware or should have been aware that the conduct in
            question was outside the scope of the assignment as contemplated by the Corporation.</div>
        </td>
      </tr>

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  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="zf0d4c12520b64d068b1f8e78b2c0502d">

      <tr>
        <td colspan="2" style="width: 100%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">SECTION 2. SCOPE OF INDEMNIFICATION:</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.03%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">(a)</div>
        </td>
        <td style="width: 93.97%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Indemnification provided pursuant to Section 1(a)(iv) shall be secondary and subordinate to indemnification or insurance provided to an Indemnified Person by an Outside Organization or
            other source, if any.</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.03%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">(b)</div>
        </td>
        <td style="width: 93.97%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Indemnification shall apply to all reasonable expenses, liability and losses, actually incurred or suffered by an Indemnified Person in connection with a Proceeding, including without
            limitation, attorneys' fees and any expenses of establishing a right to indemnification or advancement under this article, judgments, fines, ERISA excise taxes or penalties, amounts paid or to be paid in settlement and all interest, assessments
            and other charges paid or payable in connection with or in respect of such expense, liability and loss.</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.03%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">(c)</div>
        </td>
        <td style="width: 93.97%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Such indemnification shall continue as to any Indemnified Person who has ceased to be an employee, director or officer of the Corporation and shall inure to the benefit of his or her
            heirs, estate, executors and administrators.</div>
        </td>
      </tr>
      <tr>
        <td colspan="2" style="width: 100%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">SECTION 3. DEFINITIONS:</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.03%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">(a)</div>
        </td>
        <td style="width: 93.97%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">"Corporation" for the purpose of Article XI shall mean Allianz Life Insurance Company of North America and all of its subsidiaries.</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.03%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">(b)</div>
        </td>
        <td style="width: 93.97%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">"Proceeding" shall mean any threatened, pending, or completed action, suit or proceeding whether civil, criminal, administrative, investigative or otherwise, including actions by or in
            the right of the Corporation to procure a judgment in its favor.</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.03%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">(c)</div>
        </td>
        <td style="width: 93.97%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">"Professional Services" shall mean services rendered pursuant to (i) a professional actuarial designation, (ii) a license to engage in the practice of law issued by a State Bar
            Institution or (iii) a Certified Public Accountant designation issued by the American Institute of Certified Public Accountants.</div>
          <div style="line-height: 12pt;"><font style="line-height: 12pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td colspan="2" style="width: 100%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Insofar as indemnification for liability arising under the Securities Act of 1933 may be permitted for directors and officers or controlling persons of the Insurance Company pursuant to
            the foregoing, or otherwise, the Insurance Company has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and, therefore, unenforceable. In the event
            that a claim for indemnification against such liabilities (other than the payment by the Insurance Company of expenses incurred or paid by a director, officer or controlling person of the Insurance Company in the successful defense of any
            action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Company will, unless in the opinion of its counsel the matter has been settled by controlling
            precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.</div>
        </td>
      </tr>

  </table>
  <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
  </div>
  <div style="text-align: left; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow'; font-size: 10pt; font-weight: bold;">ITEM 15.&#160;&#160; RECENT SALES OF UNREGISTERED SECURITIES.</div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;NOT APPLICABLE.</div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow'; font-size: 10pt; font-weight: bold;">ITEM 16.&#160;&#160; EXHIBITS AND FINANCIAL STATEMENT SCHEDULES.</div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 9.6pt; font-family: 'Arial Narrow'; font-size: 10pt; font-weight: bold;">(a) Exhibits.</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z0e730ec2b4314fe7a1a76b0d377c1480">

      <tr>
        <td style="width: 6.81%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">1.(a)</div>
        </td>
        <td style="width: 93.19%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/836346/0000928389-96-000190.txt">Principal Underwriter Agreement</a> by and between North American Life and Casualty Company on behalf
            of NALAC Variable Account B and NALAC Financial Plans, Inc. dated September 14, 1988 incorporated by reference as exhibit EX-99.B3 from Pre-Effective Amendment No.1 to Registrant's Form N-4 (File Nos. 333-06709 and 811-05618), electronically
            filed on December 13, 1996.<br>
            (North American Life and Casualty Company is the predecessor to Allianz Life Insurance Company of North America. NALAC Financial Plans, Inc., is the predecessor to USAllianz Investor Services, LLC, which is the predecessor to Allianz Life
            Financial Services, LLC. NALAC Variable Account B is the predecessor of Allianz Life Variable Account B.)</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.81%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">&#160;(b)</div>
        </td>
        <td style="width: 93.19%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/836346/000083634610000094/bdagmt.htm">Broker-Dealer Agreement</a> (amended and restated) between Allianz Life Insurance Company of North
            America and Allianz Life Financial Services, LLC, dated June 1, 2010 incorporated by reference as exhibit EX-99B3b. from Pre-Effective Amendment No. 1 to Form N-4 (File Nos. 333-166408 and 811-05618), electronically filed on September 24, 2010.</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.81%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">&#160;(c)*</div>
        </td>
        <td style="width: 93.19%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';"><a href="ex1c.htm">The current specimen of the selling agreement </a>(General Agency Agreement) between
            Allianz Life Financial Services, LLC, the principal underwriter for the Contracts, and retail brokers which offer and sell the Contracts to the public is filed herewith.</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.81%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">2.</div>
        </td>
        <td style="width: 93.19%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Not applicable</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.81%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">3. (a)</div>
        </td>
        <td style="width: 93.19%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/72499/000007249913000003/ex3a.htm">Articles of Incorporation</a>, as amended and restated August 1, 2006, of Allianz Life Insurance
            Company of North&#160; &#160; America, filed on January 3, 2013 as Exhibit 3(a) to Registrant's initial registration on Form S-1 (File No. 333-185864), is incorporated by reference.</div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.81%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;(b)</div>
        </td>
        <td style="width: 93.19%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/72499/000007249913000003/ex3b.htm">Bylaws, as amended and restated August 1, 2006</a>, of Allianz Life Insurance Company of North
            America, filed on January 3, 2013 as Exhibit 3(b) to Registrant's initial registration on Form S-1 (File No. 333-185864), is incorporated by reference.</div>
        </td>
      </tr>

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      <tr>
        <td style="width: 7%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">4.(a)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 91.07%; vertical-align: top;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/72499/000007249922000073/ex4ai.htm">Individual Variable Annuity Contract, L40538-01</a>,
            filed on December 15, 2022 as Exhibit 4(a)(i) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 7%; vertical-align: top;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow';">&#160;&#160;(b)(i)</div>
        </td>
        <td style="width: 91.07%; vertical-align: top;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/72499/000007249922000073/ex4bi.htm">Contract Schedule, S40875-01-IAI</a>, filed on December
            15, 2022 as Exhibit 4(b)(i) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 7%; vertical-align: top;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;&#160;&#160;(ii)</div>
        </td>
        <td style="width: 91.07%; vertical-align: top;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/72499/000007249922000073/ex4bii.htm">Index Options Contract Schedule Page, S40877-INCOME</a>,
            filed on December 15, 2022 as Exhibit 4(b)(ii) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
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        <td style="width: 7%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;(c)(i)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 91.07%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/72499/000007249922000073/ex4ci.htm">Application for Individual Variable Annuity Contract</a> &#8211; IAI-APP-04, filed
            on December 15, 2022 as Exhibit 4(c)(i) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 7%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;&#160;&#160;&#160;(ii)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 91.07%; vertical-align: top;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/72499/000007249922000073/ex4cii.htm">Annuity Purchase Acknowledgment, E-APA-VAR-03</a>, filed
            on December 15, 2022 as Exhibit 4(c)(ii) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 7%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;(d)(i)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 91.07%; vertical-align: top;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/72499/000007249922000073/exdi.htm">Index Performance Strategy II-S40903-01</a>, filed on
            December 15, 2022 as Exhibit 4(d)(i) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 7%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;&#160;(ii)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 91.07%; vertical-align: top;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/72499/000007249922000073/exdii.htm">Index Performance Strategy Rider III &#8211; S40904-01</a>,
            filed on December 15, 2022 as Exhibit 4(d)(ii) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
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        <td style="width: 7%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;(e)(i)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 91.07%; vertical-align: top;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/72499/000007249922000073/exei.htm">Index Protection Strategy with Trigger Rider, S40879-02</a>,
            filed on December 15, 2022 as Exhibit 4(e)(i) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
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        <td style="width: 7%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;&#160;&#160;&#160;(ii)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 91.07%; vertical-align: top;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/72499/000007249922000073/exeii.htm">Index Protection Strategy with Cap Rider, S40899-02,</a>
            filed on December 15, 2022 as Exhibit 4(e)(ii) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 7%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;(f)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 91.07%; vertical-align: top;">
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            15, 2022 as Exhibit 4(f) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 7%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;(g)(i)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 91.07%; vertical-align: top;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/72499/000007249922000073/exg.htm">Index Precision Strategy Rider, S40891-02</a>, filed on
            December 15, 2022 as Exhibit 4(g) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 7%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;&#160;&#160;&#160;(iii)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 91.07%; vertical-align: top;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/72499/000007249923000087/ex4giii.htm">Index Precision Strategy Rider , S40891-03</a>,
            incorporated by reference as Exhibit 4(g)(iii) from Post-Effective Amendment No. 2 to Registrant's Form S-1 (File No. 333-268820), electronically filed on October 11, 2023.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 7%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;&#160;(h)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 91.07%; vertical-align: top;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/72499/000007249923000087/ex4gii.htm">Index Dual Precision Strategy Rider, S40909</a>,
            incorporated by reference as Exhibit 4(g)(ii) from Post-Effective Amendment No. 2 to Registrant's Form S-1 (File No. 333-268820), electronically filed on October 11, 2023.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 7%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;&#160;&#160;(i)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 91.07%; vertical-align: top;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/72499/000007249923000087/ex4giv.htm">Index Options Contract Schedule, S40877-01-INCOME</a>,
            incorporated by reference as Exhibit 4(g)(iv) from Post-Effective Amendment No. 2 to Registrant's Form S-1 (File No. 333-268820), electronically filed on October 11, 2023.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 7%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;&#160;&#160;(j) (i)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 91.07%; vertical-align: top;">
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            filed on December 15, 2022 as Exhibit 4(h)(i) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 7%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(ii)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 91.07%; vertical-align: top;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/72499/000007249922000073/exhii.htm">Income Multiplier Benefit Rider S40905-01</a>, filed on
            December 15, 2022 as Exhibit 4(h)(ii) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 7%; vertical-align: top;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(iii)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 91.07%; vertical-align: top;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/72499/000007249922000073/exhiii.htm">Income Benefit Rider Contract Schedule, S40902-02</a>,
            filed on December 15, 2022 as Exhibit 4(h)(iii) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 7%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(iv)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 91.07%; vertical-align: top;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/72499/000007249922000073/ex4hiv.htm">Income Multiplier Benefit Rider Contract Schedule,
              S40906-01</a>, filed on December 15, 2022 as Exhibit 4(h)(iv) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 7%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;(k)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 91.07%; vertical-align: top;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/72499/000007249922000073/ex4i.htm">Performance Lock Rider S40908</a>, filed on December 15,
            2022 as Exhibit 4(i) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 7%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;(l)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 91.07%; vertical-align: top;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/72499/000007249922000073/ex4j.htm">Waiver of Withdrawal Charge Rider, F40749-01</a>, filed on
            December 15, 2022 as Exhibit 4(j) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 7%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;(m)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 91.07%; vertical-align: top;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/72499/000007249922000073/ex4k.htm">Traditional Death Benefit Rider-S40880-01</a>, filed on
            December 15, 2022 as Exhibit 4(k) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 7%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;(n)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 91.07%; vertical-align: top;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/72499/000007249922000073/ex4l.htm">Maximum Anniversary Death Benefit Rider- S40897-01</a>,
            filed on December 15, 2022 as Exhibit 4(l) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>

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  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z63e186d6bdda4bd1ad315d305d5e314d">

      <tr>
        <td style="width: 7%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;(o)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 91.07%; vertical-align: top;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/836346/000083634606000080/file012.txt">Roth IRA Endorsement-S40342</a> incorporated by
            reference as exhibit EX-99.B4.l. from Pre-Effective Amendment No. 1 to Registrant's Form N-4 (File Nos. 333-134267 and 811-05618), electronically filed on September 25, 2006.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 7%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;(p)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 91.07%; vertical-align: top;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/836346/000092838999000296/0000928389-99-000296.txt">IRA Endorsement-S40014</a> incorporated
            by reference as exhibit EX-99.B4.g. from Pre-Effective Amendment No.1 to Registrant's Form N-4 (File Nos. 333-82329 and 811-05618), electronically filed on December 30, 1999.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 7%; vertical-align: top;">
          <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">&#160;&#160;&#160;&#160;(q)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 91.07%; vertical-align: top;">
          <div style="margin-right: 3.6pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/836346/000092838999000296/0000928389-99-000296.txt">Unisex Endorsement-(S20146)</a>
            incorporated by reference as exhibit EX-99.B4.h. from Pre-Effective Amendment No.1 to Registrant's Form N-4 (File Nos. 333-82329 and 811-05618), electronically filed on December 30, 1999.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>

  </table>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 4.8pt;"><font style="font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;&#160;5.*</font><font style="text-indent: 0px; font-size: 5.24pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <a href="ex5.htm">Opinion re Legality</a>, filed herewith</font></div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 4.8pt;"><font style="font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;&#160;8.</font><font style="text-indent: 0px; font-size: 5.32pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Arial Narrow'; font-size: 10pt;"> <font style="text-indent: 0px; font-size: 5.24pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Opinion re Tax Matters - not applicable</font></div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 4.8pt;"><font style="font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;&#160;9.</font><font style="text-indent: 0px; font-size: 5.32pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Not applicable</font></div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 4.8pt;"><font style="font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;10.</font><font style="text-indent: 0px; font-size: 5.32pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Material Contracts &#8211; not applicable</font></div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 4.8pt;"><font style="font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;11.</font><font style="text-indent: 0px; font-size: 5.32pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Arial Narrow'; font-size: 10pt;"> &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Not applicable</font></div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 4.8pt;"><font style="font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;12.</font><font style="text-indent: 0px; font-size: 5.32pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Arial Narrow'; font-size: 10pt;"> &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Not applicable</font></div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 4.8pt;"><font style="font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;15.</font><font style="text-indent: 0px; font-size: 5.32pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Arial Narrow'; font-size: 10pt;"> &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Not applicable</font></div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 4.8pt;"><font style="font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;16.</font><font style="text-indent: 0px; font-size: 5.32pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Arial Narrow'; font-size: 10pt;"> &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Not applicable</font></div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 4.8pt;"><font style="font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;21.</font><font style="text-indent: 0px; font-size: 5.32pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Arial Narrow'; font-size: 10pt;"> &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Not applicable.</font></div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 4.8pt;">
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="z0235f1ca4ae244498602d04346a6d27d">

          <tr>
            <td style="width: 58.5pt; vertical-align: top;"><font style="font-family: 'Arial Narrow';">&#160;&#160;&#160;23.</font><font style="text-indent: 0px; font-size: 5.32pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></td>
            <td style="width: 40pt; vertical-align: top;"><font style="font-family: 'Arial Narrow';">(a)*</font><font style="text-indent: 0px; font-size: 5.5pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></td>
            <td style="width: auto; vertical-align: top; font-family: 'Arial Narrow';"><a href="ex23a.htm">Consent of Independent Registered Public Accounting Firm</a>, filed
              herewith.</td>
          </tr>

      </table>
    </div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 4.8pt;" class="DSPFListTable" id="z3b05a18b12ed4339883b8e9cc5d6bb0d">

      <tr>
        <td style="width: 22.5pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <br>
        </td>
        <td style="width: 35.1pt; vertical-align: top; font-family: 'Arial Narrow';">(b)</td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-family: 'Arial Narrow';">Consent of Counsel, filed as Exhibit 5 to this Registration Statement.</div>
        </td>
      </tr>

  </table>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 4.8pt;">
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="z018b083bc4074ebfb658dde19332e3fc">

          <tr>
            <td style="width: 57.6pt; vertical-align: top;"><font style="font-family: 'Arial Narrow';">&#160;&#160;&#160;24.</font><font style="text-indent: 0px; font-size: 5.24pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></td>
            <td style="width: 40pt; vertical-align: top;"><font style="font-family: 'Arial Narrow';">(a)</font><font style="text-indent: 0px; font-size: 5.04pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <br>
              </font></td>
            <td style="width: auto; vertical-align: top; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/72499/000007249913000003/ex24b.htm">Board Resolution, effective December 11, 2012</a>, of the Board of Directors of
              Allianz Life Insurance Company of North America, filed on January 3, 2013 as Exhibit 24(b) to Registrant's initial registration on Form S-1 (File No. 333-185864), is incorporated by reference.</td>
          </tr>

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  </div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 4.8pt;">
    <div>
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          <tr>
            <td style="width: -4.5pt;"><br>
            </td>
            <td style="width: 27pt; vertical-align: top;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <br>
            </td>
            <td style="width: 36pt; vertical-align: top;"><font style="font-family: 'Arial Narrow';">(b)</font><font style="text-indent: 0px; font-size: 5.14pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></td>
            <td style="width: auto; vertical-align: top; font-family: 'Arial Narrow';"><a href="https://www.sec.gov/Archives/edgar/data/72499/000119312514142646/d687637dex24d.htm">Form of Board Resolution of the Board of Directors of Allianz Life Insurance
                Company of North America,</a> effective April 14, 2014, filed on April 14, 2014 as Exhibit 24(d) to Registrant's Post-Effective Amendment No. 2 to Form S-1 (File No. 333-185864), is incorporated by reference.</td>
          </tr>

      </table>
    </div>
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        <td style="width: 22.5pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <br>
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        <td style="width: auto; vertical-align: top;">
          <div style="font-family: 'Arial Narrow';"><a href="ex24c.htm">Powers of Attorney</a>, filed herewith.</div>
        </td>
      </tr>

  </table>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 4.8pt;"><font style="font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;25.</font><font style="text-indent: 0px; font-size: 5.32pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Arial Narrow'; font-size: 10pt;">Not applicable</font></div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 6pt;"><font style="font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;26.</font><font style="text-indent: 0px; font-size: 5.32pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: 'Arial Narrow'; font-size: 10pt;">Not applicable</font></div>
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      <tr>
        <td style="width: 72pt; vertical-align: top; font-family: 'Arial Narrow';">&#160;&#160;&#160;99.*</td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-family: 'Arial Narrow';"><a href="ex99.htm">Daily Adjustment Calculation Exhibit, IXA-010c</a>, , filed herewith.</div>
        </td>
      </tr>

  </table>
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      <tr>
        <td style="width: 4.5pt;"><br>
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        <td style="width: 54pt; vertical-align: top; font-family: 'Arial Narrow';">&#160;107*.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <br>
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        <td style="width: auto; vertical-align: top;">
          <div style="font-family: 'Arial Narrow';"><a href="exfilingfees.htm">Filing Fee Table</a>, filed herewith.</div>
        </td>
      </tr>

  </table>
  <div style="text-align: left; line-height: 11.4pt; margin-top: 6pt; font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;&#160;*&#160; Filed herewith</div>
  <div style="text-align: left; line-height: 11.4pt; font-family: 'Arial Narrow'; font-size: 10pt;">&#160;&#160;**To be filed by amendment</div>
  <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
  </div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow'; font-size: 10pt; font-weight: bold;">(b) Financial Statement Schedules</div>
  <div style="text-align: left; margin-left: 18pt; line-height: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow'; font-size: 10pt;">All required financial statement schedules of Allianz Life Insurance Company of North America are included in Part I of
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  <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
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  <div style="text-align: left; line-height: 12pt; margin-top: 6pt; margin-bottom: 6pt; font-family: 'Arial Narrow'; font-size: 10pt; font-weight: bold;">ITEM 17.&#160; UNDERTAKINGS.</div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow'; font-size: 10pt;">The undersigned registrant hereby undertakes pursuant to Item 512 of Regulation S-K:</div>
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          <div style="line-height: 11.4pt; font-family: 'Arial Narrow';">(1)</div>
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          <div style="line-height: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">To file, during any period in which offers or sales are being made, a post-effective amendment to this registration statement:</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.04%; vertical-align: top;">&#160;</td>
        <td style="width: 6.2%; vertical-align: top;">
          <div style="text-align: center; line-height: 11.4pt; font-family: 'Arial Narrow';">(i)</div>
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        <td style="width: 87.76%; vertical-align: top;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow';">To include any prospectus required by section 10(a)(3) of the Securities Act of 1933;</div>
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      <tr>
        <td style="width: 6.04%; vertical-align: top;">&#160;</td>
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        <td style="width: 87.76%; vertical-align: top;">
          <div style="line-height: 12pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">To reflect in the prospectus any facts or events arising after the effective date of the registration statement (or the most recent post-effective amendment thereof)
            which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration statement. Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the total dollar
            value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the Commission pursuant to Rule
            424(b) if, in the aggregate, the changes in volume and price represent no more than a 20% change in the maximum aggregate offering price set forth in the "Calculation of Registration Fee" table in the effective registration statement.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.04%; vertical-align: top;">&#160;</td>
        <td style="width: 6.2%; vertical-align: top;">
          <div style="text-align: center; line-height: 11.4pt; font-family: 'Arial Narrow';">(iii)</div>
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        <td style="width: 87.76%; vertical-align: top;">
          <div style="line-height: 12pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">To include any material information with respect to the plan of distribution not previously disclosed in the registration statement or any material change to such
            information in the registration statement.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.04%; vertical-align: top;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow';">(2)</div>
        </td>
        <td colspan="2" style="width: 93.96%; vertical-align: top;">
          <div style="margin-left: 1.75pt; line-height: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">That, for the purpose of determining any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed to be a
            new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.04%; vertical-align: top;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow';">(3)</div>
        </td>
        <td colspan="2" style="width: 93.96%; vertical-align: top;">
          <div style="margin-left: 1.75pt; line-height: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">To remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination
            of the offering.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.04%; vertical-align: top;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow';">(4)</div>
        </td>
        <td colspan="2" style="width: 93.96%; vertical-align: top;">
          <div style="margin-left: 1.75pt; line-height: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">That, for the purpose of determining liability under the Securities Act of 1933 to any purchaser, each prospectus filed pursuant to Rule 424(b)
            as part of a registration statement relating to an offering, other than registration statements relying on Rule 430B or other than prospectuses filed in reliance on Rule 430A, shall be deemed to be part of and included in the registration
            statement as of the date it is first used after effectiveness. Provided, however, that no statement made in a registration statement or prospectus that is part of the registration statement or made in a document incorporated or deemed
            incorporated by reference into the registration statement or prospectus that is part of the registration statement will, as to a purchaser with a time of contract of sale prior to such first use, supersede or modify any statement that was made
            in the registration statement or prospectus that was part of the registration statement or made in any such document immediately prior to such date of first use.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.04%; vertical-align: top;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow';">(5)</div>
        </td>
        <td colspan="2" style="width: 93.96%; vertical-align: top;">
          <div style="margin-left: 1.75pt; line-height: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">That, for the purpose of determining liability of the registrant under the Securities Act of 1933 to any purchaser in the initial distribution
            of the securities: The undersigned registrant undertakes that in a primary offering of securities of the undersigned registrant pursuant to this registration statement, regardless of the underwriting method used to sell the securities to the
            purchaser, if the securities are offered or sold to such purchaser by means of any of the following communications, the undersigned registrant will be a seller to the purchaser and will be considered to offer or sell such securities to such
            purchaser:</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.04%; vertical-align: top;">&#160;</td>
        <td style="width: 6.2%; vertical-align: top;">
          <div style="text-align: center; line-height: 11.4pt; font-family: 'Arial Narrow';">(i)</div>
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        <td style="width: 87.76%; vertical-align: top;">
          <div style="line-height: 12pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Any preliminary prospectus or prospectus of the undersigned registrant relating to the offering required to be filed pursuant to Rule 424;</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.04%; vertical-align: top;">&#160;</td>
        <td style="width: 6.2%; vertical-align: top;">
          <div style="text-align: center; line-height: 11.4pt; font-family: 'Arial Narrow';">(ii)</div>
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        <td style="width: 87.76%; vertical-align: top;">
          <div style="text-align: justify; line-height: 12pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Any free writing prospectus relating to the offering prepared by or on behalf of the undersigned registrant or used or referred to by the
            undersigned registrant;</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.04%; vertical-align: top;">&#160;</td>
        <td style="width: 6.2%; vertical-align: top;">
          <div style="text-align: center; line-height: 12pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">(iii)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 87.76%; vertical-align: top;">
          <div style="text-align: justify; line-height: 12pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">The portion of any other free writing prospectus relating to the offering containing material information about the undersigned registrant or
            its securities provided by or on behalf of the undersigned registrant; and</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.04%; vertical-align: top;">&#160;</td>
        <td style="width: 6.2%; vertical-align: top;">
          <div style="text-align: center; line-height: 12pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">(iv)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td style="width: 87.76%; vertical-align: top;">
          <div style="text-align: justify; line-height: 12pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">Any other communication that is an offer in the offering made by the undersigned registrant to the purchaser.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>
      <tr>
        <td style="width: 6.04%; vertical-align: top;">
          <div style="text-align: justify; line-height: 12pt; margin-bottom: 2pt; font-family: 'Arial Narrow';">(6)</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
        <td colspan="2" style="width: 93.96%; vertical-align: top;">
          <div style="margin-left: 1.75pt; line-height: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">Insofar as indemnification for liability arising under the Securities Act of 1933 may be permitted to directors, officers and controlling
            persons of the Registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that, in the opinion of the Securities and Exchange Commission, such indemnification is against public policy as expressed in the Act
            and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in
            the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has
            been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.</div>
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
        </td>
      </tr>

  </table>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div class="BRPFPageFooter"></div>
    <div style="page-break-after: always;" class="BRPFPageBreak">
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  <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
  </div>
  <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">SIGNATURES</div>
  <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
  </div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 6pt; font-family: 'Times New Roman'; font-size: 10pt;">Pursuant to the requirements of the Securities Act of 1933, the registrant has duly caused this registration statement to be signed on
    its behalf by the undersigned, thereunto duly authorized, in the City of Minneapolis, State of Minnesota, on this 17th day of April, 2024.</div>
  <div style="text-align: left; margin-left: 162pt; line-height: 12pt; margin-bottom: 6pt; font-family: 'Times New Roman'; font-size: 10pt;">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</div>
  <div style="text-align: left; margin-left: 162pt; line-height: 12pt; margin-bottom: 6pt; font-family: 'Times New Roman'; font-size: 10pt;">By: <u>/s/ Jasmine M. Jirele*</u></div>
  <div style="text-align: left; margin-left: 162pt; line-height: 12pt; margin-bottom: 6pt; font-family: 'Times New Roman'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Jasmine M. Jirele</div>
  <div style="text-align: left; margin-left: 162pt; line-height: 12pt; margin-bottom: 6pt; font-family: 'Times New Roman'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Chief Executive Officer, President, and Director</div>
  <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
  </div>
  <div style="text-align: left; line-height: 12pt; margin-bottom: 6pt; font-family: 'Times New Roman'; font-size: 10pt;">Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed by the following persons in the
    capacities indicated on April 17, 2024.</div>
  <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
  </div>
  <div style="line-height: 10.25pt;"><br style="line-height: 10.25pt;">
  </div>
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            <div style="text-align: center; line-height: 12pt; font-family: 'Arial Narrow'; font-weight: bold;">Signature*</div>
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        <td colspan="2" style="width: 63.96%; vertical-align: top;">
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            <div style="text-align: center; line-height: 12pt; font-family: 'Arial Narrow'; font-weight: bold;">Title</div>
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      </tr>
      <tr>
        <td style="width: 36.04%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Jasmine Jirele<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">*</sup></div>
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          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Director, President &amp; Chief Executive Officer</div>
        </td>
        <td style="width: 1.97%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 36.04%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Andreas G. Wimmer<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">*</sup></div>
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          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Director and Board Chair</div>
        </td>
        <td style="width: 1.97%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 36.04%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Walter R. White<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">*</sup></div>
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          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Director</div>
        </td>
        <td style="width: 1.97%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 36.04%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Udo Frank<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">*</sup></div>
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          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Director</div>
        </td>
        <td style="width: 1.97%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 36.04%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">William E. Gaumond<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">*</sup></div>
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          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Director, Senior Vice President, Chief Financial Officer and Treasurer (principal accounting officer)</div>
        </td>
        <td style="width: 1.97%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 36.04%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Kevin E. Walker<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">*</sup></div>
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        <td style="width: 61.99%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Director</div>
        </td>
        <td style="width: 1.97%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 36.04%; vertical-align: top;">
          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Howard E. Woolley<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">*</sup></div>
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          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Director</div>
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          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Lauren Kathryn Day*</div>
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          <div style="line-height: 12pt; font-family: 'Arial Narrow';">Director</div>
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  <div style="text-align: left; text-indent: -14.4pt; margin-left: 14.4pt; line-height: 10pt; margin-top: 6pt; font-family: 'Times New Roman'; font-size: 8pt;">*By Power of Attorney, filed as Exhibit 24(c) to this Registration Statement.</div>
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  <div style="text-align: left; line-height: 12pt;"><font style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;BY<u>: /s/ John P. Hite</u></font><font style="text-indent: 0px; font-size: 5pt;" class="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></div>
  <div style="text-align: left; line-height: 12pt; font-family: 'Times New Roman'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;John P. Hite</div>
  <div style="text-align: left; line-height: 12pt; font-family: 'Times New Roman'; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Senior Counsel, Associate General Counsel</div>
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  <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">FORM S-1</div>
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  <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA</div>
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  <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">INDEX TO EXHIBITS</div>
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          <div style="margin-right: 4.45pt; line-height: 11.4pt; margin-bottom: 6pt; font-family: 'Arial Narrow';">Daily Adjustment Calculation<br>
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As filed with the Securities and Exchange Commission on April 17, 2024                          Registration No. 333- [                   ]
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM S-1
REGISTRATION STATEMENT
UNDER THE SECURITIES ACT OF 1933
Allianz Life Insurance Company of North America
(Exact name of Registrant as specified in its charter)
Minnesota
(State or other jurisdiction of
incorporation or organization)
6311
(Primary Standard Industrial
Classification Code Number)
41-1366075
(I.R.S. Employer
Identification No.)
5701 Golden Hills Drive
Minneapolis, MN 55416
(800) 950-5872
(Address, including zip code, and telephone number, including area code, of Registrant's principal executive offices)
John P. Hite, Senior Counsel, Associate General Counsel
Allianz Life Insurance Company of North America
5701 Golden Hills Drive
Minneapolis, MN 55416
(763) 765-7494
(Name, address, including zip code, and telephone number, including area code, of agent for service)
Approximate date of commencement of proposed sale to the public:
As soon as practicable after this registration statement becomes effective.
If any of the securities being registered on this Form are to be offered on a delayed or continuous basis pursuant to Rule 415 under
    the Securities Act of 1933, check the following box. [X]
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller
    reporting company. See the definitions of "large accelerated filer," "accelerated filer" and "smaller reporting company" in Rule 12b-2 of the Exchange Act.
Large accelerated filer
[   ]
Accelerated filer
[   ]
Non-accelerated filer
[X]
Smaller reporting company   [   ]
(Do not check if a smaller reporting company)
The Registrant hereby amends this registration statement on such date or dates as may be necessary to delay its
    effective date until the Registrant shall file a further amendment which specifically states that this registration statement shall thereafter become effective in accordance with Section 8(a) of the Securities Act of 1933 or until the registration
    statement shall become effective on such date as the Securities and Exchange Commission, acting pursuant to said Section 8(a), may determine.
PART I – PROSPECTUS
ALLIANZ Index Advantage+ Income
®
VARIABLE ANNUITY CONTRACT
Issued by Allianz Life Variable Account B and Allianz Life Insurance Company of North America (Allianz Life, we, us, our)
The variable annuity described in this prospectus is an individual flexible purchase payment index-linked variable deferred annuity contract (Contract). This prospectus describes the Contract between you, the Owner, and Allianz Life. Allianz Life Financial Services, LLC distributes the Contracts.
The Contract allows you to allocate your money (Purchase Payments) and any earnings among the Contract's investment options, which currently include index-linked investment options (Index Options). The Contract also includes the Variable Option, a subaccount of our Separate Account that invests exclusively in shares of the AZL Government Money Market Fund. However, you cannot allocate Purchase Payments to the Variable Option.
•
Index Options.
Each Index Option is tied (or linked) to the performance of a specific market Index for a defined time period (Term). Each Index Option has a downside feature that provides limited protection against any negative Index rate of return
                    (Index Return) that may be credited to your investment for a Term. Limited protection from negative Index Returns is provided by the Buffer for the Index
                    Dual Precision Strategy, Index Precision Strategy, and Index Performance Strategy; and by the Floor for the Index Guard Strategy. The maximum potential
                    negative Performance Credit is: -90% with a 10% Buffer; -80% with a 20% Buffer; -70% with a 30% Buffer; and -10% with the Floor.
Such losses will be greater if you take a withdrawal
                    (including any financial adviser fees that you choose to have us pay from this Contract) that is subject to a withdrawal charge, a negative
                    Daily Adjustment, or a deduction of Contract fees and expenses.
The Index Protection Strategy with Trigger and Index Protection Strategy with Cap provide 100% protection against negative Index
                    Returns. Each Index Option also has an upside feature that puts an upper limit on positive Index Return that may be credited for a Term. The upper limit on
                    positive Index Return is provided by the Cap for the Index Performance Strategy, Index Guard Strategy, and Index Protection Strategy with Cap; and the Trigger Rate for the Index Dual Precision Strategy, Index Precision Strategy, and Index Protection Strategy with Trigger. Multi-year Term Index Options also have a Participation Rate that may allow you to receive more than the
                    positive Index Return. The Index Protection Strategy with Trigger provides a 0.50% minimum Trigger Rate. The Index Protection Strategy with Cap provides a
                    0.50% minimum Cap. The Index Dual Precision Strategy and Index Precision Strategy provide a 3% minimum Trigger Rate. The Index Guard Strategy provides a 3%
                    minimum Cap. The Index Performance Strategy 1-year Term Index Options provide a 3% minimum Cap; the 3-year Term Index Options provide a 5% minimum Cap; and the 6-year Term Index Options provide a 10% minimum Cap. Lastly, both the Index Performance Strategy 3-year and 6-year Term Index Options provide a 100% minimum Participation Rate.
•
Variable Option.
The sole purpose of the Variable Option is to hold Purchase Payments until they are transferred to the Index Options. The Variable Option's performance is based on the AZL Government Money Market Fund, the underlying fund in which
                    the Variable Option invests.
We expect to add Index Options from time to time. We guarantee that we will always offer a variable investment option under the Contract. We may also discontinue accepting new allocations into a specific Index Option at any time.  A list of currently available Index Options can be found in the Overview of the Contract section of this prospectus.
Index-linked and variable annuity contracts are complex insurance and investment vehicles. You may lose money, including your principal investment and previously credited earnings. Contract fees and expenses could cause your losses to be greater than the downside protection of the Index Options. Your losses may be significant.
This Contract is not intended for someone who is seeking complete protection from downside risk, seeking unlimited investment potential, or expecting to take withdrawals that will not be subject to withdrawal charges or Daily Adjustments. Before investing, be sure to ask your Financial Professional about the Contract's features, benefits, risks, fees and expenses, whether
                  the Contract is appropriate for you based upon your financial situation and objectives, and for a specific recommendation to purchase the Contract.
The Contract's risks are described in Risk Factors on page 24 of this prospectus.
Before the end of an Index Option's Term, if you take any type of withdrawal, execute the Performance Lock feature, begin Income Payments or Annuity Payments, or if we pay a death benefit or deduct a fee or expense, we base the transaction on the interim value of your Index Option investment, which includes the Daily Adjustment. The Daily Adjustment fluctuates daily. With the Index Dual Precision Strategy, Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy, the Daily Adjustment can be positive or negative. In extreme circumstances, the Daily Adjustment could result in a loss beyond the protection of the Buffer or Floor. The maximum potential loss from a negative Daily Adjustment is: -99% for the Index Dual Precision Strategy, Index Precision Strategy, and Index Performance Strategy; and -35% for the Index Guard Strategy. Although with the Index Protection Strategy with Trigger and Index Protection Strategy with Cap the Daily Adjustment cannot be
Allianz Index Advantage+ Income
®
Variable Annuity Prospectus – May 1, 2024
1
negative, deductions of Contract fees and expenses could cause you to lose principal and previously
                credited earnings. The Daily Adjustment could reflect significantly less gain, or more loss than we would apply to an Index Option at the end of a Term.
Such losses
                will be greater if you take a withdrawal (including any financial adviser fees that you choose to have us pay from this
                Contract) that is subject to a withdrawal charge, or a deduction of Contract fees and expenses.
If you have Index Options with different Term End Dates, there may be no time that any such transaction can be performed without the application of at least one Daily Adjustment.
A withdrawal charge also applies if you take a withdrawal within six years of your last Purchase Payment.
The Contract includes the Income Benefit which provides lifetime Income Payments for an additional charge. Income Payments are subject to a waiting period and are based on Contract Value,
not a guaranteed value
. Income Payments may be unavailable or end prematurely if you change ownership or Beneficiary(s).
Negative earnings (including negative Performance Credits), withdrawals, and deductions of Contract fees and expenses (including any withdrawal charge) may cause Income Payments to be unavailable or end prematurely.
You may pay for the Income Benefit without receiving any of its
                  advantages.
The Contract may be available through third-party financial advisers who charge a financial adviser fee for their services. If you choose to pay financial adviser fees from this Contract, the deduction of this financial adviser fee is in addition to this Contract's fees and expenses, and the deduction is treated the same as any other withdrawal under the Contract.
As such, withdrawals to pay financial adviser fees are subject to withdrawal charges, and, if
                  withdrawn on a day other than a Term End Date, we apply the Daily Adjustment (which can be negative) to the Contract Value before deducting the withdrawal.
Withdrawals will reduce the Contract Value, Cash Value, Guaranteed Death Benefit Value, and Income Payments (perhaps significantly and by more than the amount withdrawn), are subject to income taxes, and may be subject to a 10% additional federal tax for amounts withdrawn before age 59
1
∕
2
.
The Contract may not be appropriate if you intend to pay
                  financial advisor fees from an Index Option before the end of its Term.
Please consult with your Financial Professional before requesting us to pay financial adviser fees from this Contract rather than from other assets you may have.
All obligations and guarantees under the Contract, including index-linked returns (Performance Credits),
                  are the obligations of Allianz Life and are subject to our claims-paying ability and financial strength.
Please read this prospectus before investing and keep it for future reference. The prospectus describes all material rights and obligations of purchasers under the Contract. It contains important information about the Contract and Allianz Life that you ought to know before investing including material state variations. Availability of Index Options may vary by financial intermediary. You can obtain information on which Index Options are available to you by calling (800) 624-0197, or from your Financial Professional.
                  This prospectus is not offered in any state, country, or jurisdiction in which we are not authorized to sell the Contracts. You should rely only on the
                  information contained in this prospectus. We have not authorized anyone to give you different information.
If you are a new investor in the Contract, you may cancel your Contract within 10 days of receiving it without paying fees or penalties, although we will apply the Daily Adjustment if the cancellation occurs after the Index Effective Date. In some states, this cancellation period may be longer. Upon cancellation, you will receive either a full refund of the amount you paid with your application or your total Contract Value. If you have an Individual Retirement Annuity Contract, we refund the greater of Purchase Payments less withdrawals, or total Contract Value. You should review this prospectus, or consult with your Financial Professional, for additional information about the specific cancellation terms that apply.
The Securities and Exchange Commission (SEC) has not approved or disapproved these securities or
                  determined if this prospectus is truthful or complete. Any representation to the contrary is a criminal offense. An
                  investment in this Contract is not a deposit of a bank or financial institution and is not federally insured or guaranteed
                  by the Federal Deposit Insurance Corporation or any other federal government agency. An investment in this Contract
                  involves investment risk including the possible loss of principal.
This prospectus is not intended to constitute a suitability recommendation or fiduciary advice.
Additional information about certain investment products, including variable annuities, has been prepared by the Securities & Exchange Commission's (SEC) staff and is available at www.investor.gov.
Dated: May 1, 2024
Allianz Index Advantage+ Income
®
Variable Annuity Prospectus – May 1, 2024
2
TABLE OF CONTENTS
Glossary
6
Important Information You
                              Should Consider
About the Contract
13
Overview of the Contract
18
What Is the Purpose of
                              the Contract?
18
What Are the Phases of
                              the Contract?
19
What Are the Contract's
                              Primary Features?
21
Fee Tables
22
Transaction Expenses
22
Annual Contract Expenses
23
Annual Fund Expenses
23
Example
23
Risk Factors
24
Liquidity Risks
24
Income Benefit Risks
25
Risk of Change to the Income Benefit
Supplement Prior to the Issue Date
26
Risks of Investing in Securities
26
Risk of Negative Returns
27
Risks Associated with Calculation of
Performance Credits
28
Risks Associated with Performance Locks
                              and
Early Reallocations
29
Risks Associated with Substitution of an
Index and Limitation on Further
Investments
30
Risks Associated with Changes to Trigger
Rates, Caps, and Participation Rates
30
Risks Associated with Investment in
Derivative Hedging Instruments
32
Risks of Deducting Financial Adviser Fees
from the Contract
32
Risks Associated with Our Financial
                              Strength
and Claims-Paying Ability
32
Regulatory Protections
33
1.
The Contract
33
When the Accumulation Phase Ends
34
Financial Adviser Fees
34
When the Contract Ends
36
2.
Ownership, Annuitant,
                              Determining Life,
Beneficiary, and Payee
36
Owner
36
Joint Owner
36
Annuitant
36
Determining Life (Lives)
37
Beneficiary
37
Eligible Person(s) and Covered Person(s)
38
Payee
39
Assignments, Changes of Ownership and
Other Transfers of Contract Rights
39
3.
Purchasing
                              the Contract
39
Purchase Requirements
39
Applications Sent Electronically
40
Allocation of Purchase Payments and
Contract Value Transfers
40
Electronic Allocation Instructions
42
Free Look/Right To Examine Period
42
4.
Valuing Your Contract
43
Determining Variable Account Value
43
How the Crediting Methods Work
44
Comparing Crediting Methods
45
Bar Chart Examples of Crediting Method
Performance
49
Determining Index Option Values
53
Calculating Performance Credits
55
Daily Adjustment
57
Performance Locks and Early Reallocations
58
5.
Information Related to
                              the Variable
Option's Underlying Fund
59
Substitution and Limitation on Holdings
60
Excessive Trading and Market Timing
60
Voting Privileges
62
6.
Expenses
62
Base Contract Expenses (Product and Rider
Fees)
62
Optional Benefit Additional Rider Fee
64
Contract Maintenance Charge
                              (Administrative
Expenses)
64
Withdrawal Charge
64
Daily Adjustment Maximum Potential Loss
66
Premium Tax
67
Income Tax
67
Fund Expenses
67
7.
Access to Your Money
67
Free Withdrawal Privilege
68
Minimum Distribution Program and Required
Minimum Distribution (RMD) Payments
68
Waiver of Withdrawal Charge Benefit
69
Suspension of Payments or Transfers
69
8.
The Annuity Phase
70
Calculating Your Annuity Payments
70
Annuity Payment Options
70
When Annuity Payments Begin
71
9.
Benefits Available Under
                              the Contract
73
Allianz Index Advantage+ Income
®
Variable Annuity Prospectus – May 1, 2024
3
TABLE OF CONTENTS
10.
Income
                              Benefit
78
Removing the Income Benefit
78
How the Income Benefit Works
79
During the Income Period
80
Requesting Income Payments
81
Calculating Your Income Payments
82
Lifetime Income Percentage Calculation
Example
84
Excess Withdrawals
86
Automatic Annual Income Payment Increases
87
Income Multiplier Benefit
88
When the Income Multiplier Benefit Ends
89
Taxation of Income Payments
89
When the Income Period Ends
89
When the Income Benefit Ends
89
11.
Death Benefit
89
Maximum Anniversary Value
90
Death of the Owner and/or Annuitant
92
Death Benefit Payment Options During the
Accumulation Phase
92
Death Benefit Payment Options
93
12.
Taxes
93
Annuity Contracts in General
93
Qualified Contracts
94
Summary of Individuals and Entities That
                              Can
Own a Qualified Contract
95
Non-Qualified Contracts
95
Non-Qualified Contracts Owned by
Non-Individuals
95
Taxation of Withdrawals
95
10% Additional Federal Tax
96
Non-Qualified Annuity Medicare Tax
97
Payments for Financial Adviser Fees
97
RMDs From Qualified Contracts
97
Diversification
98
Owner Control
98
Taxation of Income Payments
98
Taxation of Annuity Payments
98
Distributions Upon the Owner's Death (or
Annuitant's Death If the Owner Is a
Non-individual)
99
Tax-Free Section 1035 Exchanges
100
Multiple Non-Qualified Contracts Purchased
In the Same Year By the Same Owner
101
Assignments, Pledges and Gratuitous
Transfers
101
Income Tax Withholding
101
Federal Estate Taxes
101
Generation-Skipping Transfer Tax
101
Foreign Tax Credits
102
Possible Tax Law Changes
102
13.
Other
                              Information
102
The Registered Separate Account
102
Our General Account
102
Our Unregistered Separate Account
102
Distribution
103
Additional Credits for Certain Groups
104
Administration/Allianz Service Center
104
Legal Proceedings
105
Status Pursuant to Securities Exchange Act
                              of
1934
105
14.
Information on Allianz
                              Life
105
Directors, Executive Officers and
                              Corporate
Governance
105
Executive Compensation
110
Security Ownership of Certain Beneficial
Owners and Management
120
Transactions with Related Persons,
Promoters and Certain Control Persons
120
Business and Operational Risks Relevant to
the Contract
120
15.
Financial Statements
128
Appendix A – Available
                              Indexes
129
S&P 500
®
Index
129
Russell 2000
®
Index
129
Nasdaq-100
®
Index
130
EURO STOXX 50
®
130
i
Shares
®
MSCI Emerging Markets
ETF
131
Appendix B – Daily
                              Adjustment
132
Appendix C – Annual
                              Contract Fees Calculation
Examples
135
Assuming You Purchase a Contract with the
Traditional Death Benefit
135
Assuming You Purchase a Contract with the
Maximum Anniversary Value Death Benefit
135
Appendix D – Increasing
                              Income Payment
Example with Performance
                              Lock and Early
Reallocation
137
Appendix E – Previous
                              Versions of Income
Benefit and Income
                              Multiplier Benefit
138
Appendix F – Material
                              Contract Variations by
State and Issue Date
141
Crediting Method and/or Index Option
Availability Restrictions
141
Material State Contract Variations
141
Appendix G – Fund
                              Available Under the
Contract
146
Appendix H – Selected
                              Financial Data and
Statutory Financial
                              Statements
147
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Variable Annuity Prospectus – May 1, 2024
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TABLE OF CONTENTS
For Service
                              or More Information
Back Cover
Our Service Center
Back Cover
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Variable Annuity Prospectus – May 1, 2024
5
Glossary
This prospectus is written in plain English. However, there are some technical words or terms that are capitalized and are used as defined terms throughout the prospectus. For your convenience, we included this glossary to define these terms.
Accumulation Phase
– the first phase of your
                  Contract before you request Annuity Payments. The Accumulation Phase begins on the Issue Date.
Annuitant
– the individual upon whose life we
                  base the Annuity Payments. Subject to our approval, the Owner designates the Annuitant, and can add a joint Annuitant for the Annuity Phase. There are
                  restrictions on who can become an Annuitant.
Annuity Date
– the date we begin making
                  Annuity Payments to the Payee from the Contract. Your Annuity Date must occur on an Index Anniversary. The earliest available Annuity Date is the second
                  Index Anniversary, and the maximum Annuity Date is either age 90 or age 100 depending on the requirements of the Financial Professional from which you purchased your Contract.
Annuity Options
– the annuity income options
                  available to you under the Contract.
Annuity Payments
– payments made by us to the
                  Payee pursuant to the chosen Annuity Option.
Annuity Phase
– the phase the Contract is in
                  once Annuity Payments begin.
Beneficiary
– the person(s) or entity the
                  Owner designates to receive any death benefit, unless otherwise required by the Contract or applicable law.
Buffer
– for each Index Option with the Index
                  Dual Precision Strategy, Index Precision Strategy, and Index Performance Strategy, this is the negative Index Return that we absorb over the duration of a
                  Term (which can be either one, three, or six years) before applying a negative Performance Credit. We do
not
apply the Buffer annually on a 3-year or 6-year Term Index Option. The Index Precision Strategy Buffer is 10%, and Index Performance Strategy and Index Dual Precision Strategy Buffers are either 10%, 20%, or 30%. Buffers do not change. There are restrictions on the availability of the Buffers, based
                  on Issue Date, as discussed in "Overview of the Contract – What Are the Phases of the Contract?".
Business Day
– each day on which the New York
                  Stock Exchange is open for trading. Allianz Life is open for business on each day that the New York Stock Exchange is open. Our Business Day ends when regular
                  trading on the New York Stock Exchange closes, which is usually at 4:00 p.m. Eastern Time.
Cap
– for any Index Option with the Index
                  Protection Strategy with Cap, Index Performance Strategy, or Index Guard Strategy, this is the upper limit on positive Index performance after application of
                  any Participation Rate over the duration of a Term (which can be either one, three, or six years) and the maximum potential Performance Credit for an Index Option. We do
not
apply the Cap annually on a 3-year or 6-year Term Index Option. On each Term Start Date, we set a Cap for each Index Option with the Index Protection Strategy with Cap, Index Performance Strategy, and Index Guard Strategy. The Caps
                  applicable to your Contract are shown on the Index Options Statement.
Cash Value
– the amount available upon
                  surrender (full withdrawal). It is the Contract Value (including any Daily Adjustment) less any final product and rider fees, contract maintenance charge, and
                  withdrawal charge.
Charge Base
– the Contract Value on the
                  preceding Quarterly Contract Anniversary (or the initial Purchase Payment received on the Issue Date if this is before the first Quarterly Contract
                  Anniversary), increased by the dollar amount of subsequent Purchase Payments, and reduced proportionately for subsequent withdrawals you take or financial
                  adviser fees that you choose to have us pay from this Contract (including any withdrawal charge) and deductions we make for Contract fees and expenses. All withdrawals you take reduce the Charge Base, even Penalty-Free Withdrawals. We use the Charge Base to determine the next product and rider fees we deduct.
Contract
– the individual flexible purchase
                  payment index-linked and variable deferred annuity contract described by this prospectus. The Contract may also be referred to as a registered index-linked
                  annuity, or "RILA".
Contract Anniversary
– a twelve-month
                  anniversary of the Issue Date or any subsequent Contract Anniversary.
Contract Value
– the current value of the
                  Purchase Payments you invest. On any Business Day, your Contract Value is the sum of your Index Option Value(s) and Variable Account Value. Variable Account
                  Value fluctuates each Business Day that money is held in the Variable Option. Index Option Value is increased or decreased on each Term End Date to reflect Performance Credits, which can be negative with the Index Dual Precision Strategy, Index Precision Strategy, Index Guard
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Strategy, and Index Performance Strategy.
A negative Performance Credit means that you can lose principal and previous earnings.
The Index Option Values also reflect the Daily Adjustment on every Business Day other than the Term Start Date or Term End Date. All withdrawals you take reduce Contract Value dollar for dollar, even Penalty-Free Withdrawals, and
                financial adviser fees that you choose to have us pay from this Contract. Contract Value is also reduced dollar for dollar for deductions we make for Contract
                fees and expenses. However, Contract Value does not reflect future fees and expenses we would apply on surrender. The Cash Value reflects all Contract fees and
                expenses we would apply on surrender (including any withdrawal charge), as well as any applicable Daily Adjustment.
Contract Year
– any period of twelve months
                  beginning on the Issue Date or a subsequent Contract Anniversary.
Covered Person(s)
– the person(s) upon whose
                  age and lifetime(s) we base Income Payments as discussed in section 2. Covered Person(s) are based on the Eligible Person(s) and the Income Payment type you
                  select on the Income Benefit Date.
Crediting Method
– a method we use to
                  calculate Performance Credits for the Index Options.
Daily Adjustment
– how we calculate Index
                  Option Values on days other than the Term Start Date or Term End Date as discussed in section 4, Valuing Your Contract – Daily Adjustment; and Appendix B. The
                  Daily Adjustment approximates the Index Option Value that will be available on the Term End Date. It is the estimated present value of the future Performance Credit that we will apply on the Term End Date. The Daily Adjustment for the Index Protection Strategy with Trigger and Index Protection Strategy with Cap cannot be negative.
Determining Life (Lives)
– the person(s)
                  designated at Contract issue and named in the Contract on whose life we base the guaranteed Traditional Death Benefit or Maximum Anniversary Value Death
                  Benefit.
Early Reallocation
– a feature that allows
                  you to move assets out of a locked Index Option on days other than an Index Anniversary or a Term End Date.
Eligible Person(s)
– the person(s) whose age
                  determines each Income Percentage and Income Percentage Increase that we use to calculate the Lifetime Income Percentages and Income Payments, and on whose
                  lifetime we base Income Payments. There are restrictions on who can become an Eligible Person as stated in section 2.
Excess Withdrawal
– while you are taking
                  Income Payments, this is the amount of any withdrawal you take during an Income Benefit Year (including any financial adviser fees that you choose to have us
                  pay from this Contract) that causes the total amount withdrawn in that year to exceed the annual maximum Income Payment. However, we do not consider payments made under our minimum distribution program to be Excess Withdrawals. We treat any portion of a withdrawal you take during the Income Benefit Year that is not an Excess Withdrawal as an Income Payment. Excess Withdrawals reduce your Contract
                  Value, future Income Payments, Guaranteed Death Benefit Value, and may end your Contract. The Income Benefit is discussed in section 10.
Financial Professional
– the person who
                  advises you regarding the Contract.
Floor
– for any Index Option with the Index
                  Guard Strategy, this is the maximum amount of negative Index Return you absorb as a negative Performance Credit. The Floors are -10% and do not change.
Fund
– the AZL Government Money Market Fund,
                  the underlying fund in which the Variable Option invests.
Good Order
– a request is in "Good Order" if
                  it contains all of the information we require to process the request. If we require information to be provided in writing, "Good Order" also includes
                  providing information on the correct form, with any required certifications, guarantees and/or signatures, and received at our Service Center after delivery
                  to the correct mailing, email, or website address, which are all listed at the back of this prospectus. If you have questions about the information we require, or whether you can submit certain information by fax, email or over the web, please contact our Service Center. If you send information by email or upload it to our website, we send you a confirmation number that includes the
                  date and time we received your information.
Guaranteed Death Benefit Value
– the
                  guaranteed value that is available to your Beneficiary(ies) on the first death of any Determining Life during the Accumulation Phase. The Guaranteed Death
                  Benefit Value is either total Purchase Payments reduced proportionately for withdrawals you take (including any withdrawal charge) if you select the
                  Traditional Death Benefit, or the Maximum Anniversary Value if you select the Maximum Anniversary Value Death Benefit. All withdrawals you take reduce the Guaranteed Death Benefit Value, even Penalty-Free Withdrawals, and any financial
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adviser fees that you choose to have us pay from this Contract. However, we do not reduce the Guaranteed Death Benefit Value for deductions we make for Contract fees and expenses. These deductions will, however, reduce the Contract Value we use to calculate the Maximum Anniversary Value.
Income Benefit
– a benefit that is
                  automatically included in your Contract at issue which is described in section 10. The Income Benefit has an additional rider fee and is intended to provide a
                  payment stream for life in the form of partial withdrawals.
Income Benefit Anniversary
– a twelve-month
                  anniversary of the Income Benefit Date or any subsequent Income Benefit Anniversary. It is the date we determine Income Payment increases. Income Benefit
                  Anniversaries always occur on Index Anniversaries.
Income Benefit Date
– the date you choose to
                  begin receiving Income Payments under the Income Benefit and the Income Period begins. The Income Benefit Date must be on an Index Anniversary.
Income Benefit Supplement
– the supplement
                  that must accompany this prospectus which contains the terms used to determine Income Payments for your Contract. The Income Benefit Supplement includes the
                  Income Payment waiting period and the table showing the Income Percentages and Income Percentage Increases. The supplement also includes the income multiplier factor and income multiplier benefit wait period for the Income Multiplier Benefit. We cannot change these terms for your Contract once they are established. We publish any changes to the Income Benefit Supplement at least seven
                  calendar days before they take effect on our website at www.allianzlife.com/RILAincomerates. The Income Benefit Supplement is also filed on EDGAR at www.sec.gov under Form S-1 File Number 333-268820.
Income Benefit Year
– a twelve-month period
                  beginning on the Income Benefit Date or a subsequent Income Benefit Anniversary.
Income Multiplier Benefit
– a benefit
                  automatically included with the Income Benefit, which is described in the Summary of the Income Benefit and section 10. The Income Multiplier Benefit has no
                  additional charge and after the required wait period can increase your income to help pay for care if you should need it.
Income Payments
– the guaranteed payments we
                  make to you under the Income Benefit for the lifetime(s) of the Covered Person(s) that are generally based on the Contract Value and Lifetime Income
                  Percentage for the payment type you select. Payment types include single or joint payments under either the Level Income or Increasing Income payment options.
                However, if you choose the Level Income payment option and meet certain age requirements, your initial annual maximum Income Payment will not be less than the Level Income Guarantee Payment Percentage multiplied by your total Purchase Payments reduced proportionately for withdrawals you take (including any withdrawal charge). All withdrawals you take reduce your
                  total Purchase Payments, even Penalty-Free Withdrawals, and any financial adviser fees that you choose to have us pay from this Contract. However, we do not
                  reduce your total Purchase Payments for deductions we make for Contract fees and expenses. Income Payments are discussed in section 10.
Income Percentages
– amounts we use to
                  determine the Lifetime Income Percentages. We establish Income Percentages for each payment type. Income Percentages are generally higher for single payments
                  compared to joint, and for the Level Income payment option compared to Increasing Income. The current Income Percentages are stated in the Income Benefit Supplement attached to the prospectus. Please see Appendix E for historical information on the Income Percentages for previous versions of the Income Benefit.
Income Percentage Increases
– the amount that
                  each Income Percentage can increase on each Index Anniversary up to and including the Income Benefit Date. We establish Income Percentage Increases for each
                  Eligible Person based on their current age on the Index Effective Date.
Income Percentage Increases are not available until the Eligible Person(s) reaches age 45.
The current Income Percentage Increases are stated in the Income Benefit Supplement attached to the prospectus. Please see Appendix E for historical information on the Income Percentage Increases for previous versions of the Income
                  Benefit.
Income Period
– the period your Contract is
                  in if you take Income Payments. The Income Period occurs during the Accumulation Phase and starts on the Income Benefit Date.
Increasing Income
– a payment option
                  available under the Income Benefit. It provides Income Payment increases on each Income Benefit Anniversary during the Income Period if your selected Index
                  Option(s) receives a positive Performance Credit, or you execute a Performance Lock during the prior Income Benefit Year. These increases can continue even if
                your Contract Value reduces to zero or if your Income Payments are converted to Annuity Payments.
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Index (Indexes)
– one (or
                more) of the nationally recognized third-party broad based equity securities price return Indexes or exchange-traded fund available to you under your Contract
                as described in Appendix A.
Index Anniversary
– a twelve-month
                  anniversary of the Index Effective Date or any subsequent Index Anniversary. It is the date we apply Income Percentage Increases.
Index Dual Precision Strategy
– one of the
                  Crediting Methods available before the Income Period described in section 4, Valuing Your Contract. The Index Dual Precision Strategy calculates Performance
                  Credits based on Index Returns subject to a Trigger Rate and a 10%, 20%, or 30% Buffer. This Crediting Method provides a positive Performance Credit for negative market movements when the loss is less than or equal to the applicable 10%, 20%, or 30% Buffer. You can receive negative Performance Credits under this Crediting Method, which means you can lose principal and previous earnings. Significant
                  losses beyond the 10%, 20%, or 30% Buffer for the Index Dual Precision Strategy can result in substantial loss of principal and previous earnings. There are
                  restrictions on the availability of the Buffers, based on Issue Date, as discussed in "Overview of the Contract – What Are the Phases of the Contract?".
Index Effective Date
– the first day we
                  allocate assets to an Index Option and we establish Income Percentage Increases for each Eligible Person. The Index Effective Date is stated on the Index
                  Options Statement and starts the first Index Year. When you purchase this Contract you select the Index Effective Date as discussed in section 3, Purchasing
                  the Contract – Allocation of Purchase Payments and Contract Value Transfers.
Index Guard Strategy
– one of the Crediting
                  Methods available before the Income Period described in section 4, Valuing Your Contract. The Index Guard Strategy calculates Performance Credits based on
                  Index Returns subject to a Cap and -10% Floor. You can receive negative Performance Credits under this Crediting Method, which means you can lose principal and previous earnings.
Index Option(s)
– the index-linked
                  investments available to you under the Contract. Each Index Option is the combination of an Index, a Crediting Method, a Term length, and any applicable
                  Buffer or Floor amount.
Index Option Base
– an amount we use to
                  calculate Performance Credits and the Daily Adjustment. The Index Option Base is initially equal to the amounts you allocate to an Index Option. We reduce the
                  Index Option Base proportionately for withdrawals you take and any financial adviser fees that you choose to have us pay from this Contract (including any withdrawal charge), and deductions we make for Contract fees and expenses. We increase/decrease it by the dollar amount of additional Purchase Payments allocated to the Index Option, transfers into or out of the Index Option, and any Performance
                  Credits.
Index Option Value
– on any Business Day, it
                  is equal to the portion of your Contract Value in a particular Index Option. We establish an Index Option Value for each Index Option you select. Each Index
                  Option Value includes any Performance Credits from previous Term End Dates and reflects proportional reductions for previous partial withdrawals you take and
                any financial adviser fees that you choose to have us pay from this Contract (including any withdrawal charge), and previous deductions we made for Contract fees and expenses. On each Business Day, other than the Term Start Date or Term End Date, the Index Option Values also include an increase/decrease from the Daily Adjustment.
Index Options Statement
– the account
                  statement we mail to you on the Index Effective Date and each Index Anniversary thereafter. On the Index Effective Date, the statement shows the initial Index
                  Values, Trigger Rates, Caps, and Participation Rates for the Index Options you selected. On each Index Anniversary, the statement shows the new Index Values, Performance Credits received, and renewal  or Early Reallocation Trigger Rates, Caps, and Participation Rates that are effective for the next Term for the Index Options you selected. The Index Options Statement also shows any applicable Buffer or Floor for your selected Index Option(s). For any Index Option you selected that has not reached its Term End Date, the statement shows the current Index Anniversary's Index Option Value, which includes the Daily Adjustment. During the
                  Accumulation Phase and before the Income Period, the statement will also show the current Lifetime Income Percentages for each payment type available under
                  the Income Benefit. During the Income Period it will show the maximum Income Payment available for the next year.
Index Performance Strategy
– one of the
                  Crediting Methods available before the Income Period described in section 4, Valuing Your Contract. This Crediting Method offers 1-year, 3-year, and 6-year
                  Terms. The Index Performance Strategy calculates Performance Credits based on Index Returns subject to any applicable Participation Rate, Cap, and a 10%, 20%,
                or 30% Buffer. You can receive negative Performance Credits under this Crediting Method, which means you can lose principal and previous earnings. There are restrictions on the availability of the Buffers, based on Issue Date, as discussed in "Overview of the Contract – What Are the Phases of the Contract?".
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Index Precision Strategy
–
                one of the Crediting Methods available before the Income Period described in section 4, Valuing Your Contract. The Index Precision Strategy calculates
                Performance Credits based on Index Values and Index Returns subject to the Trigger Rate and 10% Buffer. You can receive negative Performance Credits under this
                Crediting Method, which means you can lose principal and previous earnings.
Index Protection Strategy with Cap
– one of
                  the Crediting Methods available during the entire Accumulation Phase, including the Income Period, described in section 4, Valuing Your Contract. The Index
                  Protection Strategy with Cap provides a Performance Credit based on Index Returns subject to a Cap, but does not allow negative Performance Credits.
Index Protection Strategy with Trigger
– one
                  of the Crediting Methods available during the entire Accumulation Phase, including the Income Period, described in section 4, Valuing Your Contract. The Index
                  Protection Strategy with Trigger provides Performance Credits equal to the Trigger Rate on the Term End Date if the current Index Value is equal to or greater than the Index Value on the Term Start Date. The Index Protection Strategy with Trigger does not allow negative Performance Credits.
Index Return
– the percentage change in Index
                  Value from the Term Start Date to the Term End Date, which we use to determine the Performance Credits. The Index Return is the Index Value on the Term End
                  Date, minus the Index Value on the Term Start Date, divided by the Index Value on the Term Start Date.
Index Value
– an Index's closing market price
                  at the end of the Business Day on the Term Start Date and Term End Date as provided by Bloomberg or another market source if Bloomberg is not available.
Index Year
– a twelve-month period beginning
                  on the Index Effective Date or a subsequent Index Anniversary.
Issue Date
– the date we issue the Contract.
                  The Issue Date is stated in your Contract and starts your first Contract Year. Contract Anniversaries and Contract Years are measured from the Issue Date.
Joint Owners
– the two person(s) designated
                  at Contract issue and named in the Contract who may exercise all rights granted by the Contract. Joint Owners must be spouses within the meaning of federal
                  tax law.
Level Income
– an Income Benefit payment
                  option that provides an automatic annual increase to your Income Payments if your Contract Value increases from one Income Benefit Anniversary to the next
                  during the Income Period.
Level Income Guarantee Payment Percentage
–
                  the minimum percentage of total Purchase Payments reduced proportionately for withdrawals you took (including any withdrawal charge) that you can receive as
                  an Income Payment if you choose the Level Income payment option and meet certain age requirements as stated in section 10 – Calculating Your Income Payments.
Lifetime Income Percentage
– the maximum
                  percentage of Contract Value you can receive as an Income Payment on the Income Benefit Date. The Lifetime Income Percentages available to you before the
                  Income Period are stated on the Index Options Statement.
Lock Date
– this is the Business Day we
                  execute a Performance Lock and capture an Index Option Value (which
includes
the Daily Adjustment) before the Term End Date.
Maximum Anniversary Value
– the highest
                  Contract Value on any Index Anniversary before age 91, increased by the dollar amount of subsequent Purchase Payments, and reduced proportionately for
                  subsequent withdrawals you take (including any withdrawal charge), used to determine the Maximum Anniversary Value Death Benefit as discussed in section 11. All withdrawals you take reduce your Maximum Anniversary Value, even Penalty-Free Withdrawals, and any financial adviser fees that you choose to have us pay from this Contract. Deductions we make for Contract fees and expenses other than
                  the withdrawal charge do not reduce the Maximum Anniversary Value. These deductions will, however, reduce the Contract Value we use to calculate the Maximum
                  Anniversary Value.
Maximum Anniversary Value Death Benefit
– an
                  optional benefit described in section 11 that has an additional rider fee and is intended to potentially provide a death benefit greater than the Traditional
                  Death Benefit. The Maximum Anniversary Value Death Benefit can only be added to a Contract at issue.
Non-Qualified Contract
– a Contract that is
                  not purchased under a pension or retirement plan that qualifies for special tax treatment under sections of the Code.
Owner
– "you," "your" and "yours." The
                  person(s) or entity designated at Contract issue and named in the Contract who may exercise all rights granted by the Contract.
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Participation Rate
– a
                percentage that is multiplied by any positive Index Return over the course of a Term in calculating the Performance Credit on the Term End Date. Participation
                Rates are used with the Index Performance Strategy and there is one Participation Rate per Index Option. The Participation Rate is only available on the Index
                Performance Strategy 3-year and 6-year Terms. The Participation Rate is not available on Index Performance Strategy 1-year Terms. Index Options with a Participation Rate may allow you to receive more than the Index Return if the Index Return is positive, but the Participation Rate cannot boost Index Returns beyond any declared Cap. We do
not
apply the Participation Rate if the Index Return is zero or negative. We do
not
apply the Participation Rate annually. We set Participation Rates on each Term Start Date.
                The Participation Rates applicable to your Contract are shown on the Index Options Statement.
Payee
– the person or entity who receives
                  Annuity Payments during the Annuity Phase.
Penalty-Free Withdrawals
– withdrawals you
                  take that are not subject to a withdrawal charge. Penalty-Free Withdrawals include withdrawals you take under the free withdrawal privilege or waiver of
                  withdrawal charge benefit, RMD payments you take under our minimum distribution program, and Income Payments.
Performance Credit
– the return you receive
                  on a Term End Date from the Index Option(s). We base Performance Credits on Index Values and Index Returns after application of any Participation Rate up to
                  the Cap, any Trigger Rate, or any Buffer or Floor. Performance Credits cannot be negative with the Index Protection Strategy with Trigger or Index Protection Strategy with Cap Index Options.
However, Performance Credits
                  can be negative with the Index Dual Precision Strategy, Index Precision Strategy, Index Guard Strategy, and Index Performance Strategy Index
                Options.
If Performance Credits are negative,
you can lose principal and previous earnings.
Performance Lock
– a feature that allows you
                  to capture the current Index Option Value during the Term. A Performance Lock applies to the total Index Option Value in an Index Option, and not just a
                  portion of that Index Option Value. After the Lock Date, Daily Adjustments do not apply to a locked Index Option for the remainder of the Term and the locked
                Index Option Value will not receive a Performance Credit on the Term End Date. We will not execute your request for a Performance Lock on Index Protection Strategy with Trigger or Index Protection Strategy with Cap Index Options if the Daily Adjustment is zero.
Proxy Investment
– provides a current
                  estimate of what the Performance Credit will be on the Term End Date taking into account any applicable Buffer, Floor, Trigger Rate, Cap, and/or Participation
                  Rate. We use the Proxy Investment to calculate the Daily Adjustment on Business Days other than the Term Start Date or Term End Date. For more information, see Appendix B.
Proxy Value
– the hypothetical value of the
                  Proxy Investment used to calculate the Daily Adjustment as discussed in Appendix B.
Purchase Payment
– the money you put into the
                  Contract.
Qualified Contract
– a Contract purchased
                  under a pension or retirement plan that qualifies for special tax treatment under sections of the Code (for example, 401(a) and 401(k) plans), Individual
                  Retirement Annuities (IRAs), or Tax-Sheltered Annuities (referred to as TSA/403(b) Contracts). Currently, we issue Qualified Contracts that may include, but
                  are not limited to Roth IRAs, traditional IRAs and Simplified Employee Pension (SEP) IRAs.
Quarterly Contract Anniversary
– the day that
                  occurs three calendar months after the Issue Date or any subsequent Quarterly Contract Anniversary.
Separate Account
– Allianz Life Variable
                  Account B is a separate investment account of Allianz Life. The variable investment portion of the Contract is issued through the Separate Account. The
                  Separate Account is divided into subaccounts, each of which is a variable investment option under one or more variable annuity contracts that we issue through the Separate Account. The only subaccount currently available under this Contract is the Variable Option, which invests exclusively in shares of the AZL Government Money Market Fund.  The Separate Account is registered with the SEC as a unit
                  investment trust, and may be referred to as the Registered Separate Account.
Service Center
– the area of our company that
                  issues Contracts and provides Contract maintenance and routine customer service. Our Service Center address and telephone number are listed at the back of
                  this prospectus. The address for mailing applications, and/or checks for Purchase Payments may be different and is also listed at the back of this prospectus.
Term
– the period of time, from the Term
                  Start Date to the Term End Date, in which we measure Index Return to determine Performance Credits.
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Term End Date –
the day on
                which a Term ends and we apply Performance Credits. A Term End Date may only occur on an Index Anniversary. If a Term End Date does not occur on a Business Day,
                we consider it to occur on the next Business Day.
Term Start Date –
the day on which a Term
                  begins, and we set the Trigger Rates, Caps, and Participation Rates for an Index Option. A Term Start Date may only occur on the Index Effective Date or an
                  Index Anniversary. However, if you execute an Early Reallocation, the Term Start Date will be the Business Day we receive your Early Reallocation request in Good Order. If a Term Start Date does not occur on a Business Day, we consider it to occur on the next Business Day.
Traditional Death Benefit
– the guaranteed
                  death benefit automatically provided by the Contract for no additional fee described in section 11.
Trigger Rate
– this is the positive
                  Performance Credit you receive on a Term End Date for any Index Option with the Index Protection Strategy with Trigger, Index Dual Precision Strategy, or
                  Index Precision Strategy. You receive the Trigger Rate on the Term End Date if the current Index Value is equal to or greater than the Index Value on the Term
                  Start Date. For the Index Dual Precision Strategy, you also receive the Trigger Rate if the Index Return is negative and the loss is less than or equal to the Buffer. For the Index Protection Strategy with Trigger, you will not receive a negative Performance Credit if the Index Value decreases from the Term Start Date to the Term End Date. For the Index Dual Precision
                  Strategy and the Index Precision Strategy, you will receive a negative Performance Credit if the Index Value decreases from the Term Start Date to the Term
                  End Date and the decrease is greater than the Buffer. On each Term Start Date, we set a Trigger Rate for each Index Option with the Index Protection Strategy
                  with Trigger, Index Dual Precision Strategy, and Index Precision Strategy. The Trigger Rates provide predefined upside potential. The Trigger Rates applicable to your Contract are shown on the Index Options Statement.
Valid Claim
– the documents we require to be
                  received in Good Order at our Service Center before we pay any death claim. This includes the death benefit payment option, due proof of death, and any
                  required governmental forms. Due proof of death includes a certified copy of the death certificate, a decree of court of competent jurisdiction as to the
                  finding of death, or any other proof satisfactory to us.
Variable Account Value
– on any Business Day
                  it is equal to the value of the units in the Variable Option attributable to your Contract.
Variable Option
– a subaccount of the
                  Separate Account, and the only variable investment option under the Contract. The Variable Option invests exclusively in the shares of the AZL Government
                  Money Market Fund. You cannot allocate Purchase Payments or other amounts in your Contract (e.g., earnings) to the Variable Option.
Withdrawal Charge Basis
– the total amount
                  under your Contract that is subject to a withdrawal charge as discussed in section 6, Expenses – Withdrawal Charge.
Allianz Index Advantage+ Income
®
Variable Annuity Prospectus – May 1, 2024
12
Important
                Information You Should Consider About the Contract
FEES AND
                            EXPENSES
Prospectus
Location
Charges
for Early
Withdrawals
Your Contract is subject to withdrawal charges that
                            differ depending on when you
purchased the Contract.
•
If you purchase the Contract on or after May 1, 2024, and you withdraw money from
the Contract within
six years of your last Purchase Payment, you will be
                            assessed a
withdrawal charge of up to
8% of the Purchase Payment withdrawn, declining to 0%
over that time period.
•
If you purchased the Contract on or before April 30, 2024, and you withdraw money
from the Contract within six years of your last Purchase
                            Payment, you will be
assessed a withdrawal charge of up to 8.5% of the
                            Purchase Payment withdrawn,
declining to 0% over that time period.
Fee Tables
4. Valuing Your
Contract
6. Expenses
Appendix B –
Daily
Adjustment
For example, for Contracts issued on or after May 1, 2024, if you invest $100,000 in the
Contract and make an early withdrawal, you could pay a
                            withdrawal charge of up to $8,000
(or $8,500 for Contracts issued on or before April 30, 2024).
In addition, if you take a full or partial withdrawal
                            (including financial adviser fees that you
choose to have us pay from this Contract) from an Index
                            Option on a date other than the
Term End Date, a Daily Adjustment will apply to the Index
                            Option Value available for
withdrawal. The Daily Adjustment also applies if before
                            the Term End Date you take Income
Payments, you execute a Performance Lock, you annuitize
                            the Contract, we pay a death
benefit, or we deduct Contract fees and expenses. The
                            Daily Adjustment may be negative
depending on the applicable Crediting Method. You will
                            lose money if the Daily Adjustment
is negative.
•
Index Dual Precision Strategy, Index Precision Strategy, Index Guard Strategy,
and Index Performance Strategy
. Daily Adjustments under these Crediting Methods
may be positive, negative, or equal to zero. A negative
                            Daily Adjustment will result in a
loss. In extreme circumstances, a negative Daily
                            Adjustment could result in a loss
beyond the protection of the 10%, 20%, or 30% Buffer; or
                            -10% Floor, as applicable.
The maximum potential loss from a negative Daily
                            Adjustment is: -99% for the Index
Dual Precision Strategy, Index Precision Strategy, and
                            Index Performance Strategy;
and -35% for the Index Guard Strategy.
•
Index Protection Strategy with Trigger and Index Protection Strategy with Cap
.
Daily Adjustments under these Crediting Methods may be
                            positive or equal to zero, but
cannot be negative.
Transaction
Charges
Other than withdrawal charges and Daily Adjustments that
                            may apply to withdrawals and
other transactions under the Contract, there are no other
                            transaction charges.
Not Applicable
Allianz Index Advantage+ Income
®
Variable Annuity Prospectus – May 1, 2024
13
FEES AND
                            EXPENSES
Prospectus
Location
Ongoing
Fees and
Expenses
(annual
charges)
The table below describes the fees and expenses that you
                            may pay
each year
,
                            depending
on the options you choose. Please refer to your Contract
                            specifications page for information
about the specific fees you will pay
each year
based on the options you
                            have elected.
These ongoing fees and expenses do not reflect any
                            financial adviser fees paid to a
Financial Professional from your Contract Value or other
                            assets of the Owner. If such
charges were reflected, these ongoing fees and expenses
                            would be higher.
Fee Tables
6. Expenses
Appendix G –
Fund Available
Under the
Contract
Annual Fee
Minimum
Maximum
Base Contract
(1)
1.95%
1.95%
Investment Options
(2)
(Fund fees and expenses)
0.88%
0.88%
Optional Benefits Available for an Additional
Charge
(3)
(for a single optional benefit, if elected)
0.20%
0.20%
(1)
Base Contract fee is comprised of two charges referred to
                            as the "product fee" and the "rider fee for the
Income Benefit" in the Contract and elsewhere in this
                            prospectus. As a percentage of the Charge Base, plus
an amount attributable to the estimated contract
                            maintenance charge based on expected Contract sales.
(2)
As a percentage of the AZL Government Money Market Fund's
                            average daily net assets.
(3)
As a percentage of the Charge Base. This is the current
                            charge for the Maximum Anniversary Value Death
Benefit.
Because your Contract is customizable, the choices you
                            make affect how much you will
pay. To help you understand the cost of owning your
                            Contract, the following table shows the
lowest and highest cost you could pay each year, based on
                            current charges. This estimate
assumes that you do not take withdrawals from the
                            Contract,
which
could be subject to a
withdrawal charge, and if taken from the
                            Index Dual Precision Strategy, Index
Precision Strategy, Index Guard
                            Strategy, and Index Performance Strategy Index
Options could result in substantial
                            losses due to the application of negative Daily
Adjustments
.
Lowest Annual Cost:
$2,500
Highest Annual Cost:
$2,652
Assumes:
•
Investment of $100,000 in the Variable
Option (even though you cannot select
the Variable Option for investment)
•
5% annual appreciation
•
0.70% Income Benefit rider fee
•
Traditional Death Benefit
•
No additional Purchase Payments,
transfers, or withdrawals
•
No financial adviser fees
Assumes:
•
Investment of $100,000 in the Variable
Option (even though you cannot select
the Variable Option for investment)
•
5% annual appreciation
•
0.70% Income Benefit rider fee
•
Maximum Anniversary Value Death
Benefit with a 0.20% rider fee
•
No additional Purchase Payments,
transfers, or withdrawals
•
No financial adviser fees
RISKS
Risk of
Loss
You can lose money by investing in the Contract,
                            including loss of principal and previous
earnings.
Risk Factors
Allianz Index Advantage+ Income
®
Variable Annuity Prospectus – May 1, 2024
14
RISKS
Prospectus
Location
Not a
Short-Term
Investment
• This Contract is not a short-term investment and is not appropriate if you need ready
access to cash.
• Considering the benefits of tax deferral, long-term income, and living benefit guarantees,
the Contract is generally more beneficial to investors
                            with a long investment time horizon.
• Withdrawals are subject to income taxes, and may also be subject to a 10% additional
federal tax for amounts withdrawn before age 59
1
∕
2
.
• If, within six years after we receive a Purchase Payment, you take a full or partial
withdrawal (including financial adviser fees that you
                            choose to have us pay from this
Contract), withdrawal charges will apply. A withdrawal
                            charge will reduce your Contract
Value or the amount of money that you actually receive.
                            Withdrawals may reduce or end
Contract guarantees.
• Amounts invested in an Index Option must be held in the Index Option for the full Term
before they can receive a Performance Credit. We apply a
                            Daily Adjustment if, before the
Term End Date, you take a full or partial withdrawal
                            (including financial adviser fees that
you choose to have us pay from this Contract), you take
                            Income Payments, you execute
a Performance Lock, you annuitize the Contract, we pay a
                            death benefit, or we deduct
Contract fees and expenses.
• A minimum waiting period applies before Income Payments may be taken under the
Income Benefit. In addition, even if the waiting period
                            has expired, Income Payments
cannot begin before age 50.
• Withdrawals will reduce the initial annual maximum Income Payment. Withdrawals that
exceed limits specified by the terms of the Income
                            Benefit (Excess Withdrawals) will
reduce your future annual maximum Income Payment. These
                            reductions may be greater
than the value withdrawn and could end the benefit.
• The Traditional Death Benefit may not be modified, but it will terminate if you take
withdrawals (including Income Payments) that reduce both
                            the Contract Value and
Guaranteed Death Benefit Value to zero. Withdrawals may
                            reduce the Traditional Death
Benefit's Guaranteed Death Benefit Value by more than
                            the value withdrawn and could
end the Traditional Death Benefit.
Risk Factors
4. Valuing Your
Contract
11. Death Benefit
Appendix B –
Daily Adjustment
Risks
Associated
with
Investment
Options
• An investment in the Contract is subject to the risk of poor investment performance and
can vary depending on the performance of the Variable
                            Option and the Index Options
available under the Contract.
• The Variable Option and each Index Option have their own unique risks.
• You should review the Fund's prospectus and disclosures, including risk factors, before
making an investment decision.
Risk Factors
Insurance
Company
Risks
An investment in the Contract is subject to the risks
                            related to us. All obligations,
guarantees or benefits of the Contract are the
                            obligations of Allianz Life and are subject to
our claims-paying ability and financial strength. More
                            information about Allianz Life,
including our financial strength ratings, is available
                            upon request by visiting
www.allianzlife.com/about/financial-ratings, or contacting us at (800) 624-0197.
Risk Factors
Allianz Index Advantage+ Income
®
Variable Annuity Prospectus – May 1, 2024
15
RESTRICTIONS
Prospectus
Location
Investments
• Certain Index Options may not be available under your Contract.
• You cannot allocate Purchase Payments to the Variable Option. The sole purpose of the
Variable Option is to hold Purchase Payments until they
                            are transferred to your selected
Index Options.
• We restrict additional Purchase Payments during the Accumulation Phase. Each Index
Year before the Income Period, you cannot add more than
                            your initial amount (i.e., the
total of all Purchase Payments received before the first
                            Quarterly Contract Anniversary of
the first Contract Year) without our prior approval.
• We do not accept additional Purchase Payments during the Income Period (which is part
of the Accumulation Phase) or the Annuity Phase.
• We typically only allow assets to move into the Index Options on the Index Effective Date
and on subsequent Index Anniversaries as discussed in
                            section 3, Purchasing the
Contract – Allocation of Purchase Payments and Contract
                            Value Transfers. However, if
you execute an Early Reallocation, we will move assets
                            into an Index Option on the
Business Day we receive your Early Reallocation request
                            in Good Order.
• You can typically transfer Index Option Value only on Term End Dates. However, you can
transfer assets out of an Index Option before the Term
                            End Date by executing a
Performance Lock as discussed in section 4, Valuing Your
                            Contract – Performance Locks.
• We do not allow assets to move into an established Index Option until the Term End Date.
If you request to allocate a Purchase Payment into an
                            established Index Option on an
Index Anniversary that is not a Term End Date, we will
                            allocate those assets to the same
Index Option with a new Term Start Date.
• The Income Benefit terms stated in the Income Benefit Supplement may be modified
before issue. After the Issue Date the Income Benefit
                            may terminate under certain
circumstances as stated in section 10, Income Benefit.
• During the Income Period only the Index Options with the Index Protection Strategy with
Trigger and Index Protection Strategy with Cap are
                            available to you.
• We reserve the right to substitute the Fund in which the Variable Option invests. We also
reserve the right to discontinue accepting new
                            allocations into specific Index Options and
to substitute Indexes either on a Term Start Date or
                            during a Term. We also reserve the
right to decline any or all Purchase Payments at any
                            time on a nondiscriminatory basis.
Risk Factors
3. Purchasing the
Contract
4. Valuing Your
Contract
5. Information
Related to the
Variable Option's
Underlying Fund
10. Income
Benefit
Appendix A –
Available Indexes
Optional
Benefits
• The optional Maximum Anniversary Value Death Benefit may not be modified.
Withdrawals (including Income Payments) may reduce the
                            Maximum Anniversary Value
Death Benefit's Guaranteed Death Benefit Value by more
                            than the value withdrawn and
will end the Maximum Anniversary Value Death Benefit if
                            the withdrawals reduce both the
Contract Value and Guaranteed Death Benefit Value to
                            zero.
11. Death Benefit
TAXES
Tax
Implications
• Consult with a tax professional to determine the tax implications of an investment in and
withdrawals from or payments received under the
                            Contract.
• If you purchased the Contract through a tax-qualified plan or individual retirement account
(IRA), you do not get any additional tax benefit under
                            the Contract.
• Generally, earnings under a Non-Qualified Contract are taxed at ordinary income rates
when withdrawn, and may also be subject to a 10%
                            additional federal tax for amounts
withdrawn before age 59
1
∕
2
.
• Generally, distributions from Qualified Contracts are taxed at ordinary income tax rates
when withdrawn, and may also be subject to a 10%
                            additional federal tax for amounts
withdrawn before age 59
1
∕
2
.
12. Taxes
CONFLICTS OF
                            INTEREST
Investment
Professional
Compensation
Your Financial Professional may receive compensation for
                            selling this Contract to you, in
the form of commissions, additional cash benefits (e.g.,
                            cash bonuses), and non-cash
compensation. We and/or our wholly owned subsidiary
                            distributor may also make marketing
support payments to certain selling firms for marketing
                            services and costs associated with
Contract sales. This conflict of interest may influence
                            your Financial Professional to
recommend this Contract over another investment for which
                            the Financial Professional is
not compensated or compensated less.
13. Other
Information –
Distribution
Allianz Index Advantage+ Income
®
Variable Annuity Prospectus – May 1, 2024
16
CONFLICTS OF
                            INTEREST
Prospectus
Location
Exchanges
Some Financial Professionals may have a financial
                            incentive to offer you a new contract in
place of one you already own. You should only exchange
                            your contract if you determine,
after comparing the features, fees, and risks of both
                            contracts, that it is better for you to
purchase the new contract rather than continue to own
                            your existing contract.
13. Other
Information –
Distribution
Allianz Index Advantage+ Income
®
Variable Annuity Prospectus – May 1, 2024
17
Overview of the
                Contract
What Is the Purpose of the Contract?
The Index Advantage+ Income
®
is a product that offers Index Options and allows you to defer taking regular fixed periodic payments
(Annuity Payments)
to a future
                  date. Under the Contract, you make one or more Purchase Payments. Except for Purchase Payments received on the Index Effective Date or an Index Anniversary,
                  each Purchase Payment is first invested for a limited time in the Variable Option and then transferred to the Index Option(s) that you select for investment.
                Depending on several factors (e.g., Index Options you select, market conditions, and timing of any withdrawals), your Contract can gain or lose value. When you are ready to receive a guaranteed stream of income under your Contract, you can annuitize the Contract and begin receiving Annuity Payments from us based on the payout option you select
(Annuity
                Options)
. The Contract includes, for no additional charge, a
                  standard death benefit (the Traditional Death Benefit), or for an additional rider fee you may select the optional death benefit (the Maximum Anniversary
                  Value Death Benefit) to replace the standard death benefit. Both death benefits help to financially protect your beneficiaries. The Contract also includes a guaranteed lifetime income benefit
(Income Benefit)
that may help you achieve your financial goals.
We designed the Contract for people who are looking for guaranteed lifetime income with continued access to Contract Value, a death benefit for a period of time, and a level of protection for your principal investment while providing potentially higher returns than are available on traditional fixed annuities. In addition, you should have a long investment time
                  horizon and your financial goals should be otherwise consistent with the terms and conditions of the Contract. This Contract is not intended for someone who
                  is seeking complete protection from downside risk, seeking unlimited investment potential, or expecting to take withdrawals that will not be subject to
                  withdrawal charges or Daily Adjustments (i.e., a person that does not need access to Contract Value within six years after we receive a Purchase Payment, or
                  before an Index Option's Term End Date). If you have Index Options with different Term End Dates, there may be no time you can take a withdrawal without application of at least one Daily Adjustment.
We offer other annuity contracts that may address your investment and retirement needs. These contracts include other registered index-linked annuities and fixed index annuities. These annuity products offer different features and benefits that may be more appropriate for your needs, including allocation options, fees and/or expenses that are different from those in the Contract offered by this prospectus. Not every contract is offered through every Financial Professional. Some Financial Professionals or selling firms may not offer and/or limit offering of certain features and benefits, as well as limit the availability of the contracts based on criteria established by the Financial Professional or selling firm. For more information about other annuity contracts, please contact your Financial Professional.
The product or certain product features may not be available in all states, or may vary in your state (such as the free look). For more information see Appendix F - Material Contract Variations by State and Issue Date. Availability of Index Options may vary by financial intermediary. You can obtain information on which Index Options are available to you by calling (800) 624-0197, or from your Financial Professional.
Allianz Index Advantage+ Income
®
Variable Annuity Prospectus – May 1, 2024
18
What Are the Phases of the Contract?
The Contract has two phases: (1) an Accumulation Phase, and (2) an Annuity Phase.
•
Accumulation Phase.
This is the first phase of your Contract, and it begins on the Issue Date. During the Accumulation Phase, your money is invested under the Contract on a tax-deferred basis. Tax deferral may not be available for certain non-individually
                    owned contracts. Tax deferral means you are not taxed on any earnings or appreciation on the assets in your Contract until you take money out of your
                    Contract. In addition, during this phase, you can make additional Purchase Payments (subject to limitations and until you request Income Payments under the
                    Income Benefit), you can take withdrawals (including Income Payments), and if you die, we pay a death benefit to your named Beneficiary(ies). If you begin Income Payments, the Income Period occurs during the Accumulation Phase and starts on the Income Benefit Date.  For more information regarding additional Purchase Payment limitations, please see section 3, Purchasing the Contract
                    – Purchase Requirements.
Your Contract Value may fluctuate up or down during the Accumulation Phase based on the performance of your selected Index Options and the Variable Option.
−
Index Options.
You may allocate your Purchase Payments to any or all of the Index Options available under your Contract. There are currently 58 Index Options based on different combinations of six credit calculation methods
(Crediting
                    Methods)
, four nationally recognized third-party broad based equity securities price return Indexes and an exchange-traded fund, and three Term periods for measuring Index performance. Each Index Option is the combination of an
                    Index, a Crediting Method, a Term length, and any applicable Buffer or Floor amount. The Index Options do not directly participate in the returns of the
                    Indexes or the Indexes' component securities, and do not receive any dividends payable on these securities. Index Returns would be higher if they included
                    the dividends from the component securities. You should understand that you will have no voting rights, no rights to receive cash dividends or other distributions, and no other rights with respect to the companies that comprise the Indexes.
Currently Available
Crediting Methods, Term
Lengths, and
Negative Index Performance
Protection
Currently
Available Indexes
Positive Index Performance
Participation Limit
Index Protection Strategy
with Trigger 1-year Term with
100% downside protection
• S&P 500
®
Index
• Russell 2000
®
Index
• Nasdaq-100
®
Index
• EURO STOXX 50
®
• iShares
®
MSCI Emerging Markets ETF
• 0.50% minimum Trigger Rate
Index Protection Strategy
with Cap 1-year Term with
100% downside protection
• S&P 500
®
Index
• Russell 2000
®
Index
• Nasdaq-100
®
Index
• EURO STOXX 50
®
• iShares
®
MSCI Emerging Markets ETF
• 0.50% minimum Cap
Index Dual Precision Strategy
1-year Term with 10%, 20%, or
30% Buffer
• For Contracts issued from May 1, 2023,
to November 13, 2023, the Index Dual
Precision Strategy is not available.
• For Contracts issued from November
14, 2023, to April 30, 2024, only the 10%
Buffer is available.
• For Contracts issued since May 1, 2024,
the 10%, 20%, and 30% Buffers are
available.
• S&P 500
®
Index
• Russell 2000
®
Index
• Nasdaq-100
®
Index
• EURO STOXX 50
®
• iShares
®
MSCI Emerging Markets ETF
• 3% minimum Trigger Rate
Index Precision Strategy
1-year Term with 10% Buffer
• S&P 500
®
Index
• Russell 2000
®
Index
• Nasdaq-100
®
Index
• EURO STOXX 50
®
• iShares
®
MSCI Emerging Markets ETF
• 3% minimum Trigger Rate
Allianz Index Advantage+ Income
®
Variable Annuity Prospectus – May 1, 2024
19
Currently Available
Crediting Methods, Term
Lengths, and
Negative Index Performance
Protection
Currently
Available Indexes
Positive Index Performance
Participation Limit
Index Guard Strategy
1-year Term with -10% Floor
• S&P 500
®
Index
• Russell 2000
®
Index
• Nasdaq-100
®
Index
• EURO STOXX 50
®
• iShares
®
MSCI Emerging Markets ETF
• 3% minimum Cap
Index Performance Strategy
1-year Term with 10%, 20%, or
30% Buffer
• For Contracts issued from May 1, 2023,
to November 13, 2023, only the 10%
Buffer is available.
• For Contracts issued since November
14, 2023, the 10%, 20%, and 30% Buffers
are available.
• S&P 500
®
Index
• Russell 2000
®
Index
• Nasdaq-100
®
Index
• EURO STOXX 50
®
• iShares
®
MSCI Emerging Markets ETF
• 3% minimum Cap
• Can be "uncapped" (i.e., we do not declare a
Cap for that Term)
Index Performance Strategy
3-year Term with 10% or 20%
Buffer
• S&P 500
®
Index
• Russell 2000
®
Index
• 5% minimum Cap
• Can be uncapped
• 100% minimum Participation Rate
Index Performance Strategy
6-year Term with 10% or 20%
Buffer
• For Contracts issued from May 1, 2023,
to November 13, 2023, only the 10%
Buffer is available.
• For Contracts issued since November
14, 2023, the 10% and 20% Buffers are
available.
• S&P 500
®
Index
• Russell 2000
®
Index
• 10% minimum Cap
• Can be uncapped
• 100% minimum Participation Rate
Your initial, renewal, and Early Reallocation Trigger Rates, Caps, and Participation Rates for your selected Index Options and their Buffers or Floors are stated in your Index Options Statement, which is the account statement we mail to you on the Index Effective Date and each Index Anniversary. The Index Options Statement also includes the Index Values on the
                  Term Start Date and Term End Date for your selected Index Options. We use these Index Values to determine Index Returns and Performance Credits. The Buffers
                  or Floors for all currently available Index Options are stated in your Contract. The Buffers or Floors for the currently available Index Options will not
                  change for the life of the Contract.
More
                  detailed information about the Index Options is included in section
4, Valuing Your Contract.
−
Variable Option.
You cannot allocate your Purchase Payments to the Variable Option available under your Contract.
                    We only allow assets to move into the Index Options on Term Start Dates and Term End Dates. As a result, we hold Purchase Payments you allocate to the Index
                    Options in the Variable Option when we receive them on days other than the Index Effective Date or Index Anniversaries. We then transfer them to the Index
                    Options on the next Index Anniversary according to your allocation instructions. The Variable Option invests in an underlying fund, which has its own investment objective, strategies, and risks.
For more information, please see Appendix G - Fund Available
                    Under the Contract.
•
Annuity Phase.
If you request Annuity Payments, the Accumulation Phase (including the Income Period under the Income Benefit, if applicable) ends and the
Annuity Phase
begins. Annuity Payments are fixed payments we make based on the Annuity Option you select and your Contract Value (which reflects
                    any previously deducted Contract fees and expenses) less final product and rider fees. Annuity Payments can provide a guaranteed lifetime fixed income stream with certain tax advantages. We designed the Annuity Payments for Owners who no longer need immediate access to Contract Value to meet their short-term income needs.
If the Annuity Date occurs after Income Payments begin, we will convert these payments to Annuity Payments if your Contract Value is greater than zero and you take Annuity Payments under Annuity Option B if you are receiving single Income Payments, or Annuity Option F if you are receiving joint Income Payments. If you select any other Annuity
Allianz Index Advantage+ Income
®
Variable Annuity Prospectus – May 1, 2024
20
Option we do
not
convert your Income Payments to Annuity Payments.
This means you may receive less as Annuity Payments than you
                would have received as Income Payments. You should consult with your Financial Professional before requesting Annuity Payments.
For more information, see section 8, The Annuity Phase – When Annuity Payments Begin.
During the Annuity Phase, you will receive a stream of regular income in the form of Annuity Payments. You will be unable to take withdrawals upon demand, your selected death benefit ends, and no amounts will be payable upon death during the Annuity Phase unless your Annuity Option provides otherwise. The Income Benefit will also end upon entering the Annuity
                  Phase unless we convert your Income Payments to Annuity Payments.
What Are the Contract's Primary Features?
•
Accessing Your Money.
During the Accumulation Phase, you can surrender the Contract (take a full withdrawal), or take partial withdrawals. Withdrawals may be subject to negative Daily Adjustments, are subject to a withdrawal charge, income taxes,
                    and may also be subject to a 10% additional federal tax for amounts withdrawn before age 59
1
∕
2
.
•
Additional Purchase Payments.
Subject to the limitations described in this prospectus, we continue to accept additional Purchase
                    Payments under the Contracts during the Accumulation Phase and before the Income Period. However, we may terminate your ability to make additional Purchase
                    Payments in the future. We only allow additional Purchase Payments to move into Index Options on the Index Effective Date or Index Anniversaries. As a
                    result, we hold Purchase Payments in the Variable Option when we receive them on days other than the Index Effective Date or Index Anniversaries. We then transfer them to the Index Options on the next Index Anniversary according to your allocation instructions. For that reason, such Purchase Payments are not available to receive Performance Credits until we transfer them to
                    your selected Index Options and those Index Options reach their respective Term End Dates. We do not allow assets to move into an established Index Option
                    until the Term End Date. If you request to allocate a Purchase Payment into an established Index Option on an Index Anniversary that is not a Term End Date,
                    we will allocate those assets to the same Index Option with a new Term Start Date. Purchase Payments held in the Variable Option are subject to Fund fees and expenses, and Fund performance (which can be negative) until being transferred to the Index Options.
•
Income Benefit.
The Income Benefit is automatically included in your Contract for an additional rider fee. You can remove it from your Contract on or after the third Index Anniversary and before Income Payments begin if your Contract Value is
                    positive.
If you remove the Income Benefit you will have paid for the benefit without receiving any of its advantages.
The Income Benefit provides for
                    guaranteed lifetime Income Payments until annuitization based on a percentage of your Contract Value. If you request Income Payments, your Contract will
                    enter the Income Period (which is part of the Accumulation Phase). If you do not take Income Payments, your Contract will not have an Income Period, and you will have paid for the benefit without receiving any of its advantages. Unlike the Annuity Phase, the Income Benefit allows access to your Contract Value and your selected death benefit after Income Payments begin while both the Contract
                    Value and Guaranteed Death Benefit Value are positive. The Index Option Values are subject to the Daily Adjustment if we deduct Income Payments other than
                    on a Term End Date. However, the Daily Adjustment for the Index Protection Strategy with Trigger and Index Protection Strategy with Cap cannot be negative.
                    The Income Benefit also includes the Income Multiplier Benefit for no additional charge, which, if you qualify, can increase the annual maximum Income Payment after the required wait period to help pay for care if you should need it. The Income Multiplier Benefit is not available in all states as indicated in Appendix F.
A full Excess
                    Withdrawal and certain partial Excess Withdrawals will cause Income Payments to stop and the Contract
and all of its benefits
to end. For more information please see section 10, Income
                    Benefit. For information on the terms used to determine your Income Payments, please see the Income Benefit Supplement.
•
Death Benefits.
The Contract's death benefit is paid upon the first death of any Determining Life during the Accumulation Phase. The Contract includes for no additional charge a standard death benefit
(the Traditional Death Benefit)
. At the time of purchase, you may select the optional death
                    benefit
(the Maximum Anniversary Value Death Benefit)
to replace the standard death benefit for an additional rider fee. Either death benefit is the greater of
                    Contract Value, or the Guaranteed Death Benefit Value. Unlike the Traditional Death Benefit, however, the Maximum Anniversary Value Death Benefit locks in any annual investment gains as part of the Guaranteed Death Benefit Value to potentially provide a death benefit greater than the Traditional Death Benefit (which is based on Purchase Payments). The
                    Maximum Anniversary Value Death Benefit cannot be less than the Traditional Death Benefit, but they can be equal.
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•
Withdrawal Charge Waivers.
Under the free withdrawal privilege, you may withdraw up to 10% of your total Purchase Payments
                    each Contract Year during the Accumulation Phase and before the Income Period without incurring a withdrawal charge. Upon a full withdrawal, the free
                    withdrawal privilege is not available to you. We do not apply a withdrawal charge to deductions we make for Contract fees or expenses. In most states (see
                    Appendix F), the waiver of withdrawal charge benefit allows you to take a withdrawal after the first Contract Year without incurring a withdrawal charge if after the first Contract Anniversary you begin confinement for care in an eligible facility for at least 90 days in a 120-day period, or are unable to perform at least two activities of daily living. Also, if you own an IRA or Simplified Employee Pension (SEP) IRA Contract, payments you take under our minimum distribution program (RMD payments) are not subject to a withdrawal charge. The minimum distribution program is not available if you have a qualified plan Contract.
                    Withdrawals under these waivers are still subject to income taxes (and may also be subject to a 10% additional federal tax for amounts withdrawn before age
                    59
1
∕
2
), and to the Daily Adjustment if taken other than on a Term End Date, and may reduce Contract benefits (perhaps significantly and by more than the amount withdrawn).
•
Deduction of Financial Adviser Fees.
If you have a financial adviser and want to pay their financial adviser fees from this
                    Contract, you can instruct us to withdraw the fee from your Contract and pay it to your Financial Professional or Financial Professional's firm as
                    instructed. The deduction of financial adviser fees is in addition to this Contract's fees and expenses, and the deduction is treated the same as any other
                    withdrawal under the Contract. As such, withdrawals to pay financial adviser fees are subject to withdrawal charges, and to the Daily Adjustment if taken
                    other than on a Term End Date, will reduce the Contract Value and Guaranteed Death Benefit Value (perhaps significantly and by more than the amount withdrawn), are subject to income taxes (and may also be subject to a 10% additional federal tax for amounts withdrawn before age 59
1
∕
2
).
Please consult with your Financial Professional before requesting us to pay financial adviser fees from this Contract rather than from other assets you may have.
Fee Tables
The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the Contract. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected. These tables do not reflect any financial adviser fees that you pay from your other assets, or that you choose to have us pay from this Contract. If financial adviser fees were reflected, fees and expenses would be higher.
The first table describes the fees and expenses that you will pay at the time that you buy the Contract, surrender or make withdrawals from the Contract, or transfer Contract Value between investment options. State premium taxes may also be deducted.
Transaction Expenses
Withdrawal Charge During Your Contract's First Phase, the Accumulation Phase
(1)
(as a percentage of each Purchase Payment withdrawn)
(2)
Number of Complete
Years Since
Purchase Payment
Withdrawal Charge Amount
Contracts issued
on or before
April 30, 2024
Contracts issued
on or after
May 1, 2024
0
8.5%
8%
1
8%
8%
2
7%
7%
3
6%
6%
4
5%
5%
5
4%
4%
6 years or more
0%
0%
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Index Protection Strategy
with Trigger
and
Index Protection Strategy
with Cap
Index Dual Precision Strategy,
Index Precision Strategy,
and
Index Performance Strategy
Index
Guard
Strategy
Daily Adjustment Maximum Potential Loss
0%
99%
35%
(as a percentage of Index Option Value, applies for
distributions from an Index Option before any Term
End Date)
(3)
(1)
The Contract provides a free withdrawal privilege  before the Income Period
                    that allows you to withdraw 10% of your total Purchase Payments annually without incurring a withdrawal charge, as discussed in section 7, Access to Your
                    Money – Free Withdrawal Privilege.
(2)
The Withdrawal Charge Basis is the total amount under your Contract that is
                    subject to a withdrawal charge, as discussed in section 6, Expenses – Withdrawal Charge.
(3)
This shows the maximum potential loss due to the application of the Daily
                    Adjustment (e.g., maximum loss could occur if there is a total distribution within a Term at a time when the Index price has declined to zero). The Daily
                    Adjustment could result in a loss beyond the protection of the 10%, 20%, or 30% Buffer; or -10% Floor. The Daily Adjustment applies if, before the Term End
                    Date, you take a full or partial withdrawal (including any financial adviser fees that you choose to have us pay from this Contract), you take Income
                    Payments, you execute a Performance Lock, you annuitize the Contract, we pay a death benefit, or we deduct Contract fees or expenses. The actual Daily
                    Adjustment calculation is determined by a formula described in Appendix B.
The next table describes the fees and expenses that you will pay each year during the time that you own the Contract (not including Fund fees and expenses). If you purchased the optional Maximum Anniversary Value Death Benefit, you pay additional charges, as shown below.
Annual Contract Expenses
Administrative Expenses (or contract
                            maintenance charge)
(1)
(per year)
$
50
Base Contract Expenses
(2)
(as a percentage of the Charge Base)
1.95%
Optional Benefit Expenses – Maximum
                            Anniversary Value Death Benefit
(as a percentage of the Charge Base)
0.20%
(1)
Referred to as the "contract maintenance charge" in the Contract and
                    elsewhere in this prospectus. Waived if the Contract Value is at least $100,000. During the Annuity Phase, we deduct the contract maintenance charge
                    proportionately from each Annuity Payment. See the section 6, Expenses – Contract Maintenance Charge (Administrative Expenses).
(2)
Comprised of two charges referred to as the "product fee" and the "rider fee
                    for the Income Benefit" in the Contract and elsewhere in this prospectus. The product fee is 1.25%. The rider fee for the Income Benefit is 0.70%. See
                    section 6, Expenses – Base Contract Expenses (Product and Rider Fees).
The next table shows the total operating expenses charged by the Fund that you may pay periodically during the time that you own the Contract. More information about the Fund, including its annual expenses, may be found in Appendix G – Fund Available Under the Contract.
Annual Fund Expenses
(expenses that are deducted from Fund assets, including management fees,
distribution and/or service (12b-1) fees, and other expenses)
0.88%
Example
This Example is intended to help you compare the cost of investing in the Contract with the cost of investing in other variable annuity contracts. The Example is based on an investment solely in the Variable Option even though you cannot allocate Purchase Payments directly to the Variable Option. The costs include transaction expenses, annual Contract expenses, and annual Fund expenses. These costs do not include any financial adviser fees that you pay from your other assets, or that you choose to have us pay from this Contract. If financial adviser fees were reflected, costs would be higher.
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The Example assumes that you invest $100,000 in the Contract for the time periods indicated. The Example
                also assumes that your investment has a 5% return each year and that you elected the Maximum Anniversary Value Death Benefit. Although your actual costs may be higher or lower, based on these assumptions, your costs would be:
(1)
If you surrender your Contract (take a full withdrawal) at the end of the
                    applicable time period:
1 Year
3 Years
5 Years
10 Years
Contracts issued on or before April 30, 2024
$
11,553
$
16,337
$
20,865
$
33,313
Contracts issued on or after May 1, 2024
$
11,053
$
16,337
$
20,865
$
33,313
(2)
If you fully annuitize your Contract at the end of the applicable time
                    period.
1 Year
3 Years
5 Years
10 Years
Contracts issued on or before April 30, 2024
N/A*
$
9,337
$
15,865
$
33,313
Contracts issued on or after May 1, 2024
N/A*
$
9,337
$
15,865
$
33,313
*
The earliest available Annuity Date is the second Index Anniversary.
(3)
If you do not surrender your Contract.
1 Year
3 Years
5 Years
10 Years
Contracts issued on or before April 30, 2024
$
3,053
$
9,337
$
15,865
$
33,313
Contracts issued on or after May 1, 2024
$
3,053
$
9,337
$
15,865
$
33,313
Risk Factors
The Contract involves certain risks that you should understand before investing. You should carefully consider your income needs and risk tolerance to determine whether the Contract is appropriate for you. The level of risk you bear and your potential investment performance will differ depending on the Index Options you choose.
Liquidity Risks
We designed the Contract to be a long-term investment that you can use to help build and provide income for retirement. The Contract is not suitable for short-term investment.
If you need to take a full or partial withdrawal during the withdrawal charge period, or when we deduct any financial adviser fees that you choose to have us pay from this Contract, we deduct a withdrawal charge unless the withdrawal is a Penalty-Free Withdrawal. While Penalty-Free Withdrawals provide some liquidity, they are permitted in only limited amounts or in special circumstances. If you need to withdraw most or all of your Contract Value in a short period, you will exceed the
                  Penalty-Free Withdrawal amounts available to you and incur withdrawal charges. (For more information on the withdrawal charge, see the Fee Tables and section
                  6, Expenses – Withdrawal Charge.)
We calculate the withdrawal charge as a percentage of your Purchase Payments, not Contract Value. Consequently, if the Contract Value has declined since you made a Purchase Payment, it is possible the percentage of Contract Value withdrawn to cover the withdrawal charge would be greater than the withdrawal charge percentage. For example, assume you buy the
                  Contract with a single Purchase Payment of $10,000. If your Contract Value in the 5th year is $8,000 and you take a full withdrawal a 5% withdrawal charge
                  applies. The total withdrawal charge would be $500 (5% of $10,000). As your Contract Value is less than $100,000, we will also deduct the $50 contract
                  maintenance charge. This results in you receiving $7,450.
In addition, upon a full withdrawal, the free withdrawal privilege is not available to you, and we apply a withdrawal charge against Purchase Payments that are still within their withdrawal charge period, including amounts previously withdrawn under the free withdrawal privilege.
On a full withdrawal, your Withdrawal Charge Basis may be greater than your Contract Value because the following reduce your Contract Value, but do not reduce your Withdrawal Charge Basis: deductions we make for prior Penalty-Free Withdrawals and Contract fees or expenses; and/or poor performance.
Amounts withdrawn from this Contract are subject to income taxes, and may also be subject to a 10% additional federal tax for amounts withdrawn before age 59
1
∕
2
.
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We only apply Performance Credits to the Index Options once each Term on the Term End Date, rather than on a daily basis. In the interim, we calculate Index Option Values based on the Daily Adjustment. The Variable Option is not subject to the Daily Adjustment. Any assets removed from an Index Option during the Term for withdrawals you take (including Income Payments
                and other Penalty-Free Withdrawals, and any financial adviser fees that you choose to have us pay from this Contract), Annuity Payments, or deductions we make
                for Contract fees and expenses, or if we pay a death benefit, will not be eligible to receive a Performance Credit on the Term End Date. These removed assets
                will not receive the full benefit of the Index Value, Index Return, and the 10%, 20%, or 30% Buffer; or -10% Floor that would have been available on the Term End Date, and losses could exceed the protection offered by the 10%, 20%, or 30% Buffer; or -10% Floor. You will receive a Performance Credit only on any unlocked Index Option Value remaining in an Index Option on the Term End Date.
You can typically transfer Index Option Value among the Index Options only on Term End Dates. At other times, you can only move assets out of an Index Option by taking a full or partial withdrawal, or entering the Annuity Phase. However, you can transfer assets out of an Index Option before the Term End Date by executing a Performance Lock. Once an Index Option is
                  locked, you can transfer assets out of it on the Index Anniversary that occurs on or immediately after the Lock Date. For a 3-year or 6-year Term Index Option
                  this means you can transfer out of the locked Index Option before the Term End Date by executing a Performance Lock on or before the second Index Anniversary
                  of a 3-year Term, or on or before the fifth Index Anniversary of a 6-year Term. You can also transfer assets out of any locked Index Option, including 1-year Term Index Options, before the Term End Date by requesting an Early Reallocation. You can only execute two Early Reallocations each Index Year, but each request can involve multiple locked Index Options. These restrictions may limit your
                  ability to react to changes in market conditions. You should consider whether investing in an Index Option is consistent with your financial needs.
Income Benefit Risks
The Income Benefit is automatically included in the Contract for an additional rider fee, but you can remove it after three years if Income Payments have not begun.
If you remove the
                  Income Benefit you will have paid for the benefit without receiving any of its advantages.
We generally base Income Payments on the Lifetime Income Percentage you select and your Contract Value,
not a guaranteed
                  value.
Decreases in Contract Value due to negative Index performance during the Accumulation Phase up to and including the Income Benefit Date, deductions for Contract fees and expenses, and withdrawals, also decrease the Income Payment
                  amount available to you.
If you choose the Level Income payment option and meet the age requirements stated in section 10, Calculating Your Income Payments, your initial annual maximum Income Payment will not be less than the Level Income Guarantee Payment Percentage multiplied by your total Purchase Payments reduced proportionately for withdrawals you took (including any
                  withdrawal charge). However, the Level Income Guarantee Payment Percentage is not available to you under the Level Income payment option if you do not meet
                  the age requirements stated in section 10, or if you choose Increasing Income payment option.
Income Payments made while your Contract Value is positive are a withdrawal of your own assets and reduce your Contract Value. If your Contract Value remains above zero when the Income Payments end, you may not realize a benefit from the Income Benefit; the chances of your Contract Value being reduced to zero may be minimal.
We also base Income Payments on the Eligible Person(s) that we establish at issue. If you change Owners or Beneficiary(s), we may remove an Eligible Person or Covered Person as stated in section 2,
which may cause Income Payments to be unavailable or end
                  prematurely.
We use the age of the Eligible Person(s) to determine the Income Percentage(s) and Income Percentage Increases. Income Percentage Increases are not available until age 45. This means if an Eligible Person is younger than age 44 on the Issue Date,
you will not receive an increase to a Lifetime
                  Income Percentage based on that Eligible Person until the Index Anniversary that the Eligible Person (or younger Eligible
                  Person for joint payments) reaches age 45, and you will pay a rider fee during the period you are not eligible for an
                  Income Percentage Increase.
The eligibility period to begin Income Payments is subject to a waiting period and both a minimum and maximum age requirement for the Eligible Person(s). For single Income Payments we only allow an Eligible Person who is an Owner to become a Covered Person, and joint Income Payments may not be available if the age difference between spouses is too great, as
                  stated in section 2, Eligible Person(s) and Covered Person(s).
If you do not begin Income Payments during the eligibility period, the Income Benefit ends and you will have paid for the benefit without receiving any of its advantages.
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In addition, if you have Contract Value in an Index Option for which the Income Benefit Date is not a Term End Date, we will execute a Performance Lock for that Index Option if it is not locked and then immediately calculate and begin your Income Payments. If you have Index Options with different Term End Dates, there may be no date when the Daily Adjustment does not
                apply. For the Index Protection Strategy with Trigger or Index Protection Strategy with Cap Index Options we will execute this Performance Lock even if the
                Daily Adjustment is zero.
The initial annual maximum Income Payment available to you must be at least $100. If your Contract Value on the Income Benefit Date is reduced and this $100 minimum cannot be met,
the Income Benefit ends and you will have paid for the benefit
                  without receiving any of its advantages. Income Payments and the Income Benefit may also end prematurely if you take Excess
                  Withdrawals, or you annuitize the Contract. A full Excess Withdrawal and certain partial Excess Withdrawals will cause
                  Income Payments to stop and the Contract
and all of its benefits
to end.
However, we can convert your Income Payment to Annuity Payments as described in section 8, The Annuity Phase – When Annuity Payments Begin.
The Income Multiplier Benefit can provide increased income if you are confined for care, or are unable to perform at least two activities of daily living. However, this benefit has a waiting period and you must meet certain requirements to receive it. If you are unable to meet these requirements the Income Multiplier Benefit may not be available to you when you need it. If you qualify for the Income Multiplier Benefit, it also may not provide enough income to pay for the care you require. For joint Covered Persons, if you both qualify for this benefit at the same time you will get the same payment increase as a single Covered person; we do not apply the increase separately for each Covered Person.
For more information see "How the Income Benefit Works" and "During the Income Period" in section 10, Income Benefit.
Risk of Change to the Income Benefit Supplement Prior to the Issue Date
The Income Payment waiting period and the table showing the Income Percentages and Income Percentage Increases for your Contract and are stated in the Income Benefit Supplement that is in effect on the date you sign your application. The supplement also includes the income multiplier factor and income multiplier benefit wait period for the Income Multiplier Benefit. Your Financial Professional will give you a copy of the prospectus with the current Income Benefit supplement when you apply for a Contract. If we do not receive your initial Purchase Payment within 60 calendar days of the date you sign the
                  application, and the Income Benefit Supplement terms have changed since this date, you will receive the Income Benefit Supplement terms that are in effect on
                  the Issue Date instead of the terms that were in effect when you applied for the Contract. You bear the risk that if there is more than a 60-day delay between
                  the time you apply for the Contract and the Issue Date the Income Benefit Supplement terms may change and be less advantageous to you. When we issue the Contract, we send you the current prospectus with the current Income Benefit Supplement. We cannot change these terms for your Contract once they are established. We publish any changes to these terms in an amended Income Benefit Supplement at least
                  seven calendar days before they take effect on our website at www.allianzlife.com/RILAincomerates. The amended Income Benefit Supplement is also filed on EDGAR at www.sec.gov under Form S-1 File Number 333-268820, and
                  Form N-4 File Number 333-268826. You can contact us to receive the Income Benefit Supplement applicable to your Contract by calling our Service Center at the
                  toll-free telephone number listed at the back of this prospectus.
You can find historical Income Benefit and Income Multiplier Benefit Supplement values in Appendix E for benefits issued before May 1, 2024.
Risks of Investing in Securities
Returns on securities and securities Indexes can vary substantially, which may result in investment losses. The historical performance of the available Index Options and the Variable Option does not guarantee future results. It is impossible to predict whether underlying investment values will fall or rise. Trading prices of the securities underlying the Index Options and the Variable Option are influenced by economic, financial, regulatory, geographic, judicial, political and other complex and interrelated factors. These factors can affect capital markets generally and markets on which the underlying securities
                  are traded and these factors can influence the performance of the underlying securities. Depending on your individual circumstances (e.g., your selected Index
                  Options and the timing of any Purchase Payments, transfers, or withdrawals), you may experience (perhaps significant) negative returns under the Contract. You
                  should consult with a Financial Professional.
Index Option returns depend on the performance of an Index although you are not directly invested in the Index. Because the S&P 500
®
Index, Russell 2000
®
Index, Nasdaq-100
®
Index, EURO STOXX 50
®
and iShares
®
MSCI Emerging
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Markets ETF are each comprised of a collection of equity securities, in each case the value of the component securities is
              subject to market risk, or the risk that market fluctuations may cause the value of the component securities to go up or down, sometimes rapidly and unpredictably. In addition, the value of equity securities may decline for reasons directly related to the issuers of the securities.
S&P 500
®
Index
. The S&P 500
®
Index
                  is comprised of equity securities issued by large-capitalization U.S. companies. In general, large-capitalization companies may be unable to respond quickly
                  to new competitive challenges, and also may not be able to attain the high growth rate of successful smaller companies.
Russell 2000
®
Index
. The Russell 2000
®
Index
                  is comprised of equity securities of small-capitalization U.S. companies. In general, the securities of small-capitalization companies may be more volatile
                  and may involve more risk than the securities of larger companies.
Nasdaq-100
®
Index
. The Nasdaq-100
®
Index is
                  comprised of equity securities of the largest U.S. and non-U.S. companies listed on The Nasdaq Stock Market, including companies across all major industry
                  groups except the financial industry. To the extent that the Nasdaq-100
®
Index is comprised of securities issued by companies in a particular sector, that company's securities may not perform as well as companies in other sectors or the market as a whole. Also, any component securities issued by non-U.S. companies (including related depositary receipts) are subject to the risks related to investments in foreign markets (e.g., increased price volatility; changing currency exchange rates; and greater political, regulatory, and economic
                  uncertainty).
EURO STOXX 50
®
. EURO STOXX 50
®
is comprised of the equity securities of large-capitalization companies in the Eurozone. The securities comprising EURO STOXX 50
®
are subject to the risks related to investments in foreign markets (e.g., increased price
                  volatility; changing currency exchange rates; and greater political, regulatory, and economic uncertainty), and are significantly affected by the European
                  markets and actions of the European Union.
iShares
®
MSCI Emerging Markets ETF
. The iShares
®
MSCI Emerging Markets ETF seeks to track the investment results of the MSCI Emerging
                  Markets Index, which is designed to measure equity market performance in the global emerging markets. The underlying index may include large-and
                  mid-capitalization companies. iShares
®
MSCI
                  Emerging Markets ETF is an exchange-traded fund. The performance of the iShares
®
MSCI Emerging Markets ETF may not replicate the performance of, and may underperform the underlying index. The price of the iShares
®
MSCI Emerging Markets ETF will reflect expenses and fees that will reduce its relative
                  performance. Moreover, it is also possible that the iShares
®
MSCI Emerging Markets ETF may not fully replicate or may, in certain circumstances, diverge
                  significantly from the performance of the underlying index. Additional information about iShares
®
MSCI Emerging Markets ETF is available on the SEC's website at www.sec.gov and copies of that
                  information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: www.publicinfo@sec.gov. Please note that
                  this information is not prepared by us and may be intended for shareholders of the ETF. You will not be a shareholder of the ETF by investing in an Index Option that is linked to the performance of the ETF. You may also request additional information about the ETF from our Service Center or your Financial Professional.
Risk of Negative Returns
The Variable Option does not provide any protection against loss of principal.
You can lose principal and previous earnings for Purchase
                  Payments held in the Variable Option and such losses could be significant.
If you allocate Purchase Payments or transfer Contract Value to an Index Option with the Index Dual Precision Strategy, Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy, negative Index Returns may cause Performance Credits to be either negative after application of the 10%, 20%, or 30% Buffer, or negative down to the -10% Floor.
                  For the Index Performance Strategy, we apply the Buffer for the entire Term length; we do not apply the Buffer annually on a 3-year or 6-year Term Index
                  Option. Ongoing deductions we make for Contract fees and expenses could also cause amounts available for withdrawal to be less than what you invested even if
                  Index performance has been positive.
You
                  can lose principal and previous earnings if you allocate Purchase Payments or transfer Contract Value to the Index Options
                  with the Index Dual Precision Strategy, Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy, and
                  such losses could be significant. If you allocate Purchase Payments or transfer Contract Value to the Index Options with
                  the Index Protection Strategy with Trigger or Index Protection Strategy with Cap you can also lose principal and previous
                  earnings if you do not receive the Performance Credit, or if the Contract fees and expenses are greater than the
                  Performance Credit.
The maximum potential negative Performance Credit for the Index Dual Precision Strategy, Index Precision Strategy, and Index Performance Strategy is based on the Buffer. If the Buffer is 10%, the maximum negative Performance Credit is -90%; if the Buffer is 20%,
                  the maximum negative Performance Credit is -80%; and if the Buffer is 30%, the maximum negative Performance
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Credit is -70%. The maximum potential negative Performance Credit for the Index Guard Strategy is the -10%
              Floor.
Such losses will be
                greater if you take a withdrawal (including any financial adviser fees that you choose to have us pay from this Contract)
                that is subject to a withdrawal charge, a negative Daily Adjustment, or a deduction of Contract fees and expenses.
The Daily Adjustment is how we calculate Index Option Values on Business Days other than the Term Start Date or Term End Date.
The Variable Option is not subject to the Daily
                  Adjustment.
The Daily Adjustment can affect the amounts available for
                  withdrawal, Performance Locks, annuitization, payment of the death benefit, and the Contract Value used to determine the contract maintenance charge and
                  Charge Base for the product and rider fees. The Daily Adjustment can be less than the Trigger Rate or Cap even if the current Index return during the Term is
                  greater than the Trigger Rate or Cap. In addition, even though the current Index return during the Term may be positive, the Daily Adjustment may be negative
                due to changes in Proxy Value inputs, such as volatility, dividend yield, and interest rate. However, the Daily Adjustment for the Index Protection Strategy with Trigger and Index Protection Strategy with Cap cannot be negative. The Daily Adjustment is generally negatively affected by:
•
interest rate decreases,
•
dividend rate increases,
•
poor market performance, and
•
the expected volatility of Index prices. Generally, increases in the expected
                    volatility of Index prices negatively affect the Index Dual Precision Strategy, Index Precision Strategy, and Index Performance Strategy 1-year Term Index Options, while decreases in the expected volatility of Index prices negatively affect the Index Guard Strategy. For the Index Performance Strategy 3-year and 6-year Term Index Options, and Index Protection Strategy with Cap, the impact of changes in the expected volatility of Index prices is dependent on the market environment and the applicable Caps and
                    Participation Rates. For the Index Protection Strategy with Trigger, the impact of changes in the expected volatility of Index prices is dependent on the
                    market environment.
The Daily Adjustment for Index Options with a Term length of more than 1 year (3-year and 6-year Term Index Options and Early Reallocation to a 1-year Term Index Option) may be more negatively impacted by changes in the expected volatility of Index prices than 1-year Term Index Options due to the difference in Term length. Also, the risk of a negative Daily
                  Adjustment is greater for Index Options with a Term length of more than 1 year than for 1-year Term Index Options due to the Term length. 3-year and 6-year
                  Term Index Options with a Participation Rate above 100% may also have larger fluctuations in the Daily Adjustment than Index Options either without a
                  Participation Rate, or with a Participation Rate equal to 100%. For shorter Term lengths, there is more certainty in both the final Index Values and how
                  Trigger Rates, Caps, Buffers, and Floors determine Performance Credits. This means there may be less fluctuation in the Daily Adjustment due to changes in Index return for Index Options with shorter Term lengths.
If you take a withdrawal from an Index Option with the Index Dual Precision Strategy, Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy before the Term End Date,
you
                  could lose principal and previous earnings because of the Daily Adjustment
even if Index performance is positive on that day or has been positive since the Term Start Date
. If the current Index return during the Term is negative, the
                  Daily Adjustment for these Index Options could result in losses greater than the protection provided by the 10%, 20%, or 30% Buffer; or -10%
                Floor.
In extreme circumstances, the Daily Adjustment could result in a loss beyond the protection of the Buffer or Floor. The maximum potential loss from a negative Daily Adjustment is: -99% for the Index Dual Precision Strategy, Index Precision Strategy, and Index Performance Strategy; and -35% for the Index Guard Strategy.
Such losses will be
                  greater if you take a withdrawal (including any financial adviser fees that you choose to have us pay from this Contract)
                  that is subject to a withdrawal charge, or a deduction of Contract fees and expenses.
Risks Associated with Calculation of Performance Credits
We calculate Performance Credits each Term on the Term End Date. Because we calculate Index Returns only on a single date in time, you may experience negative or flat performance even though the Index you selected for a given Crediting Method experienced gains through some, or most, of the Term. If you allocate Purchase Payments or transfer Contract Value to the
                  Index Options with Index Protection Strategy with Trigger or Index Protection Strategy with Cap, positive returns are limited by the Trigger Rates and Caps.
                  You are not subject, however, to potential negative Performance Credits. The Trigger Rates on the Index Dual Precision Strategy and Index Precision Strategy
                  Index Options, and the Caps on the Index Guard Strategy and Index Performance Strategy Index Options also limit positive returns and could cause performance to be lower than it would otherwise have been if you invested in a mutual fund or exchange-traded fund
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designed to track the performance of the applicable Index. For the Index Performance Strategy, we apply the Cap and any Participation Rate for the entire Term length; we do
not
apply the Cap and any Participation Rate annually on a 3-year or 6-year Term Index Option.
The Index Options do not directly participate in the returns of the Indexes or the Indexes' component securities, and do not receive any dividends payable on these securities. Index returns would be higher if they included the dividends from the component securities. The past ten years of actual average of the annual Index returns without and with dividends would have been as follows:
January 1, 2014 through December 31, 2023
S&P 500
®
Index
Nasdaq-100
®
Index
Russell 2000
®
Index
EURO
STOXX 50
®
iShares
®
MSCI
Emerging Markets ETF
Returns without dividends
11.02
%
19.57
%
6.76
%
4.60
%
1.04
%
Returns with dividends
13.09
%
20.79
%
8.19
%
8.10
%
3.22
%
Trigger Rates, Caps, and Participation Rates may be adjusted on the next Term Start Date and may vary significantly from Term to Term. Changes to Trigger Rates, Caps, and Participation Rates may significantly affect the Performance Credit you receive. For more information, see the "Risks Associated with Changes to Trigger Rates, Caps, and Participation Rates"
                  discussion later in this section.
The Crediting Methods only capture Index Values on the Term Start Date and Term End Date, so you will bear the risk that the Index Value might be abnormally low on these days.
Risks Associated with Performance Locks and Early Reallocations
If a Performance Lock is executed:
•
You will no longer participate in Index performance, positive or negative,
                    for the remainder of the Term for the locked Index Option. This means that under no circumstances will your Index Option Value increase during the remainder
                    of the Term for a locked Index Option, and you will begin a new Index Option with a new Term Start Date on the next Index Anniversary that occurs on or immediately after the Lock Date unless you execute an Early Reallocation (if available to you). If you decide to execute an Early Reallocation, you can execute a Performance Lock and then, at the earliest,
                    execute an Early Reallocation on the same Business Day. When executing both the Performance Lock and Early Reallocation on the same Business Day, your Lock
                    Date is also the Term Start Date for the new Index Option.
•
You will not receive a Performance Credit on any locked Index Option on the
                    Term End Date.
•
We use the Daily Adjustment calculated at the end of the
current
Business Day on the Lock Date to
                    determine your locked Index Option Value. This means that, if you request a Performance Lock, your Index Option Value will lock at an unknown future value which may be higher or lower than it was at the point in time you requested a Performance Lock. In addition, if you set a lower target, your Index Option Value may lock at a lower value than the target you set.
•
If a Performance Lock is executed when your Daily Adjustment has declined,
                    you will lock in any loss. It is possible that you would have realized less of a loss or no loss if the Performance Lock occurred at a later time, or if the
                    Index Option was not locked.
•
We will not execute your request for a Performance Lock on Index Protection
                    Strategy with Trigger or Index Protection Strategy with Cap Index Options if the Daily Adjustment is zero. This may limit your ability to take advantage of
                    the benefits of the Early Reallocation feature.
•
There are limits on Early Reallocations. We do not accept Early Reallocation
                    requests within 14 calendar days before an Index Anniversary; and you are limited to two Early Reallocation requests each Index Year, but each request can involve multiple locked Index Options. After your second Early Reallocation request in an Index Year, any locked Index Options will remain locked until the next Index Anniversary. These limitations mean you may not be able to take advantage of
                    any increases to Early Reallocation rates, or any advantageous changes to Index values that may become available at the optimal time. This may limit your
                    return potential. Early Reallocation is available for amounts allocated to any locked Index Option, subject to the restrictions described in this
                    prospectus.
•
Early Reallocation Trigger Rates, Caps, and Participation Rates you receive
                    may be less than the Early Reallocation rates that become available later in the Index Year, or the renewal rates available on the next Index Anniversary.
                    This may limit your return potential.
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We will not provide
                            advice or notify you regarding whether you should execute a Performance Lock or Early
Reallocation or the
                            optimal time for doing so. We will not warn you if you execute a Performance Lock or Early
Reallocation at a
                            sub-optimal time. We are not responsible for any losses related to your decision whether or not to
execute a Performance
                            Lock or Early Reallocation.
Risks Associated with Substitution of an Index and Limitation on Further Investments
There is no guarantee that the Indexes will be available during the entire time that you own your Contract. Once we add an Index to your Contract, we cannot remove it without simultaneously substituting it. For the Index Options, if we substitute a new Index for an existing Index, the performance of the new Index may be different and this may affect your ability to receive positive Performance Credits. We may substitute a new Index for an existing Index if:
•
the Index is discontinued,
•
we are unable to use the Index because, for example, changes to an Index make
                    it impractical or expensive to purchase derivative hedging instruments to hedge the Index, or we are not licensed to use the Index,
•
the method of calculation of the Index Values changes substantially,
                    resulting in significantly different Index Values and performance results. This could occur, for example, if an Index altered the types of securities
                    tracked, or the weighting of different categories of securities, or
•
we determine in our sole discretion that the substitution is necessary due to
                    unanticipated events outside of our direct control. This might include other events similar to those listed above, other changes to the Index (such as name
                    or ownership changes) that legally may be considered a substitution, or a breach by the Index provider of the Index intent or performance expectations.
If we add or substitute an Index, we first seek any required regulatory approval from each applicable state insurance regulator and then provide you with written notice. We also provide you with written notice if an Index changes its name. Index substitutions can occur either on a Term Start Date or during a Term. If we substitute an Index during a Term, we will combine the return of the previously available substituted Index from the Term Start Date to the substitution date with the
                  return of the new Index from the substitution date to the Term End Date. If we substitute an Index during a Term:
•
we do
not
change the Charge Base we use to calculate the product and rider fees, and
•
the Buffers, Floors, Trigger Rates, Caps, and Participation Rates for the
                    substituted Index will apply to the new Index. We do
not
change the Buffers, Floors, Trigger Rates, Caps, or Participation Rates that were in
                    effect on the Term Start Date.
Similarly, if we substitute an Index on a Term Start Date, the applicable Buffer, Floor, and minimum Trigger Rate, Cap, or Participation Rate will not change.
Changes to Trigger Rates, Caps, and Participation Rates associated with the new Index, if any, may occur at the next regularly scheduled Term Start Date, subject to their respective minimums. Depending on the constitution of the substituted Index, the volatility of its investments, and our ability to hedge the Index's performance, we may determine, in our
                  discretion, to increase or decrease renewal Trigger Rates, Caps, and Participation Rates associated with the new Index, subject to their respective minimums.
                  However, we would not implement any change to reflect this difference until the next Term Start Date after the substitution. The substitution of an Index
                  during a Term may result in an abnormally large change in the Daily Adjustment on the day we substitute the Index due to changes in Proxy Value inputs (such
                  as volatility, dividend yield, and interest rate). However, you would only be affected by this change in the Daily Adjustment if a normal transaction to which the Daily Adjustment applies (such as a withdrawal you take) occurs on the substitution date.
The selection of a substitution Index is in our discretion; however, it is anticipated that any substitute Index will be substantially similar to the Index it is replacing and we will substitute any equity Index with a broad-based equity index.
We may also discontinue accepting new allocations into a specific Index Option at any time.
Risks Associated with Changes to Trigger Rates, Caps, and Participation Rates
The 10%, 20%, and 30% Buffers, and -10% Floors for the currently available Index Options do not change. However, if we add a new Index Option to your Contract after the Issue Date, we establish the Buffer or Floor for it on the date we add the Index Option to your Contract. For a new Index Option, the minimum Buffer is 5% and the minimum Floor is -25%.
Subject to their respective minimums, we establish the initial Trigger Rates, Caps, and Participation Rates for a newly issued Contract on the Index Effective Date and they cannot change until the next Term Start Date. You select the Index
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Effective Date when you purchase your Contract. It can be any Business Day from the Issue Date up to and including the first Quarterly Contract Anniversary, but it cannot be the 29th, 30th, or 31st of a month.
You should be aware that, generally, initial Trigger Rates, Caps, and Participation Rates could change every seven calendar days. However, these rates are guaranteed to be available during the period stated on our website at
www.allianzlife.com/RILAincomerates
and cannot be superseded until that period ends. If you select an Index Effective Date that is
                  within the guaranteed period for the initial rates that are available for review on the date you signed your application, you will receive
                  the initial rates that were available on the date you signed your application. However, if you select an Index Effective Date that is after
                  this guaranteed period, you are subject to the risk that initial Trigger Rates, Caps, and Participation Rates may change and be less
                  advantageous to you. You are responsible for reviewing the initial rates before your Index Effective Date to ensure your allocations and the
                product still meet your needs. Furthermore, if your Index Effective Date is after the end of the free look period and you cancel the Contract, you will receive the Cash Value. On or before the Index Effective Date, the Daily Adjustment does
not
apply. You may review future rates at least seven calendar days before their effectiveness at
www.allianzlife.com/RILAincomerates
. You (or your Financial Professional, if
                  authorized) can change your Index Effective Date at any time before it occurs to be an earlier or later date by submitting a request.
We can change the renewal and Early Reallocation Trigger Rates, Caps, and Participation Rates for an existing Contract on each new Term Start Date subject to the guaranteed minimums, in our discretion.
We will send you a letter at least 30 days before each Index Anniversary. This letter advises you that current Trigger Rates, Caps, and Participation Rates are expiring, and that renewal rates for the next Term Start Date will be available for your review. The Index Anniversary letter also reminds you of your opportunity to transfer your Index Option Values on the upcoming Term End Date. On each Term End Date, you have the option of remaining allocated to your current Index Options at the
                  renewal Trigger Rates, Caps, and Participation Rates that we set on the next Term Start Date, or transferring to another permitted Index Option. At least
                  seven calendar days before each Index Anniversary, we publish renewal rates for the next Term Start Date for your review in your account on our website, and
                  on our public website at www.allianzlife.com/RILAincomerates. If you do not
                  review renewal change information when it is published, or take no action to transfer to another permitted Index Option, you will remain allocated to your
                  current Index Options and will automatically become subject to the renewal Trigger Rates, Caps, and Participation Rates until the next Term End Date.
You risk the possibility that the renewal Trigger Rates, Caps, and Participation Rates you receive may be less than you would find acceptable. If you do not find the renewal rates acceptable, you must give us transfer instructions no later than the end of the Business Day on the Term End Date (or the next Business Day if the Term End Date is a non-Business Day) or you will be subject to these renewal Trigger Rates, Caps, and Participation Rates for the next Term.
When your renewal rates change the only options available to you are to transfer Index Option Value between Index Options by changing your allocation instructions, or take a full withdrawal (which is subject to a withdrawal charge, taxes, and may be subject to tax penalties).
If you execute a Performance Lock you may be able to request an Early Reallocation and begin a new Index Option with a new Term Start Date and a new Trigger Rate, Cap, or Participation Rate before the next Index Anniversary. We can change Early Reallocation Trigger Rates, Caps, and Participation Rates subject to the guaranteed minimums, in our discretion. We
                  publish Early Reallocation rates at least seven calendar days before the end of the current Early Reallocation offering period for your review in your account
                  on our website. If you do not execute an Early Reallocation, you will remain allocated to your current locked Index Options until the Index Anniversary that
                  occurs on or immediately after the Lock Date.
Initial, renewal, and Early Reallocation Trigger Rates, Caps, and Participation Rates may vary significantly depending upon a variety of factors, including:
•
market volatility,
•
our hedging strategies and investment performance,
•
the availability of hedging instruments,
•
the amount of money available to us through Contract fees and expenses to
                    purchase hedging instruments,
•
your Index Effective Date,
•
the level of interest rates,
•
utilization of Contract benefits by Owners, and
•
our profitability goals.
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Due to a combination of factors, including potential changes in interest rates and other market conditions (e.g. rising inflation), the current economic environment is evolving. The future impact on initial, renewal, and Early Reallocation Trigger Rates, Caps, and Participation Rates cannot be predicted with certainty. The effect of a change in interest rates or other
                market conditions may not be direct or immediate. There may be a lag in changes to Trigger Rates, Caps, and Participation Rates. Interest rates could increase.
                In a rising interest rate environment, increases in Trigger Rates, Caps, and Participation Rates, if any, may be substantially slower than increases in interest
                rates.
We manage our obligation to provide Performance Credits in part by trading call and put options, and other derivatives on the available Indexes. The costs of the call and put options and other derivatives vary based on market conditions, and we may adjust future renewal and Early Reallocation Trigger Rates, Caps, and Participation Rates to reflect these cost changes. The primary factor affecting the differences in the initial Trigger Rates, Caps, and Participation Rates for newly issued
                  Contracts and renewal and Early Reallocation rates for existing Contracts is the difference in what we can earn from these investments for newly issued
                  Contracts versus what we are earning on the investments that were made, and are being held to maturity, for existing Contracts. In some instances, we may need
                  to reduce initial, renewal, and Early Reallocation Trigger Rates, Caps, and Participation Rates, or we may need to substitute an Index. You bear the risk that
                  we may reduce Trigger Rates, Caps, and Participation Rates, which reduces your opportunity to receive positive Performance Credits.
Risks Associated with Investment in Derivative Hedging Instruments
The Index Options are supported by bonds and other fixed income securities which are also used to support the Contract guarantees, cash, and derivative hedging instruments used to hedge the movements of the applicable Index.
At Contract issue, we invest a substantial majority of the initial Contract Value in fixed income securities, with most of the remainder invested in derivative hedging instruments. The derivative hedging instruments are purchased to track and hedge Index movements and support our obligations with regard to the Index Options. The derivative hedging instruments we purchase include put options, call options, futures, swaps, and other derivatives.
We currently limit our purchase of derivative hedging instruments to liquid securities. However, like many types of derivative hedging instruments, these securities may be volatile and their price may vary substantially. In addition, because we pay Performance Credits regardless of the performance of derivative hedging instruments we purchase, we may incur losses on hedging mismatches or errors in hedging. We may incur additional costs if the costs of our hedging program increase due
                  to market conditions or other factors. Our overall experience with hedging securities may affect renewal and Early Reallocation Trigger Rates, Caps, and
                  Participation Rates for existing Contracts.
Risks of Deducting Financial Adviser Fees from the Contract
If you have an investment adviser and want to pay their financial adviser fees from this Contract, you can instruct us to withdraw the fee from your Contract and pay it to your adviser. Once authorized by you, the investment adviser requests each fee payment by submitting a letter of instruction that includes the fee amount. The deduction of financial adviser fees is in
                  addition to this Contract's fees and expenses, and the deduction is treated the same as any other withdrawal under the Contract. As such, withdrawals to pay
                  financial advisers fees may be subject to a Daily Adjustment (that could be negative), are subject to withdrawal charges, will reduce the Contract Value
                  dollar for dollar and Guaranteed Death Benefit Value proportionately (perhaps significantly and by more than the amount withdrawn), are subject to income
                  taxes (and may also be subject to a 10% additional federal tax for amounts withdrawn before age 59
1
∕
2
).
Please consult with your Financial Professional before requesting us to pay financial adviser fees from this Contract rather than from other assets you may have.
Risks Associated with Our Financial Strength and Claims-Paying Ability
We make Income Payments, Annuity Payments, and pay death benefits from our general account. Our general account assets are subject to claims by our creditors, and any payment we make from our general account is subject to our financial strength and claims-paying ability. We apply Performance Credits from an unregistered, non-unitized, non-insulated separate account (
Separate Account IANA
).
                  Like our general account, the assets in Separate Account IANA are subject to our general business operation liabilities and the claims of our creditors, and
                  are also subject to our financial strength and claims-paying ability. For more information on Separate Account IANA, see section 13, Other Information – Our Unregistered Separate Account.
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Regulatory Protections
Allianz Life is not an investment company and therefore we are not registered as an investment company under the Investment Company Act of 1940, as amended, and the protections provided by this Act are not applicable to the guarantees we provide. The Separate Account is, however, registered as an investment company. Any allocations you make to an Index
                  Option are not part of the Separate Account. Allianz Life is not an investment adviser and so is not subject to the Investment Advisers Act of 1940, and does
                  not provide investment advice to you in connection with your Contract.
Your Contract is registered in accordance with the Securities Act of 1933 and the offering of the Contract must be conducted in accordance with the requirements of this Act. In addition, the offer and sale of the Contract is subject to the provisions of the Securities Exchange Act of 1934.
The Contract is filed with and approved by each state in which the Contract is offered. State insurance laws provide a variety of regulatory protections.
1.
The Contract
An annuity is a contract between you as the Owner, and an insurance company (in this case Allianz Life), where you make payments to us and we invest that money in the Index Options you select. The Variable Option holds the money you invest before it is transferred to the Index Options. Depending on market conditions, your Contract may gain or lose value based on the
                  returns of your selected Index Options and the Variable Option. When you are ready to take money out, we make payments to you according to your instructions
                  and any restrictions associated with the payment option you select that is described in this prospectus. Other than to add benefits that are beneficial to
                  you, we do not make any changes to your Contract without your permission except as may be required by law.
The Contract has an Accumulation Phase and an Annuity Phase. If you begin taking Income Payments, your Contract will also have an Income Period. The Income Period occurs during the Accumulation Phase.
The
Accumulation Phase
is the first phase of your Contract, and it begins on the Issue Date. During the Accumulation Phase, we invest your money in the Index Options you select and the Variable Option on a tax-deferred basis. Tax deferral may not be
                  available for certain non-individually owned contracts. Tax deferral means you are not taxed on any earnings or appreciation on the assets in your Contract
                  until you take money out of your Contract. (For more information, see section 12, Taxes.)
During the Accumulation Phase, you can take withdrawals (subject to any withdrawal charge). You can also make additional Purchase Payments before the Income Period subject to the restrictions set out in section 3, Purchase Requirements. The Contract also offers at issue the optional Maximum Anniversary Value Death Benefit for an additional rider fee (see
                  section 11) if all Owners and the Annuitant are age 75 or younger on the Issue Date. The Maximum Anniversary Value Death Benefit can only be added to a
                  Contract at issue. The Maximum Anniversary Value Death Benefit potentially provides a death benefit greater than the Traditional Death Benefit based on the
                  Maximum Anniversary Value (highest Contract Value on any Index Anniversary before age 91, increased by the dollar amount of subsequent Purchase Payments, and reduced proportionately for subsequent withdrawals you take including any withdrawal charge).
During the
Income Period
we make regular periodic Income Payments based on the life of the Covered Person(s). During the
                  Income Period we also restrict your selection of Crediting Methods to the Index Protection Strategy with Trigger or Index Protection Strategy with Cap, and
                  you cannot make additional Purchase Payments. However, unlike the Annuity Phase, you will have access to your Contract Value and death benefit for a period of
                  time after Income Payments begin. If you do not take Income Payments your Contract will not have an Income Period. The Income Period ends on the earlier of the last Business Day before the Annuity Date, or the date the Income Benefit ends. Income Payments can continue for the life of the Covered Person(s) if you do not take more than your allowed annual maximum payment.
If you request Annuity Payments, the Accumulation Phase and Income Period (if applicable) of your Contract ends and you enter the
Annuity Phase
. During the Annuity Phase, we make regular fixed periodic Annuity Payments based on guaranteed
                  period, life, life with a guaranteed period, joint and last survivor, or joint and 2/3 survivor. We send Annuity Payments to the
Payee
(the person or entity who receives Annuity Payments
                  during the Annuity Phase). You can choose when Annuity Payments begin, subject to certain restrictions. We base Annuity Payments on Contract Value and the payout rates for the Annuity Option you select. If the Annuity Date occurs during the Income Period and your Income Payments are greater than the Annuity Payments as calculated for certain Annuity Options, you can elect to convert Income Payments to
                  Annuity Payments as described in section 8 – When Annuity Payments Begin. Your Annuity
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Payments do not change unless an Annuitant dies, or we convert Income Payments made under the Increasing Income payment option to Annuity Payments. The Increasing Income payment option is discussed in section 10, Automatic Annual Income Payment Increases. The Annuity Phase ends when we make the last Annuity Payment under your selected Annuity Option. For more
                information, see section 8, The Annuity Phase.
When the Accumulation Phase Ends
The Accumulation Phase ends upon the earliest of the following.
•
The Business Day we process your request for a full withdrawal.
•
The Business Day before the Annuity Date.
•
Upon the death of any Owner (or the Annuitant if the Owner is a
                    non-individual), the Business Day we first receive Valid Claim from any one Beneficiary, unless the surviving spouse/Beneficiary continues the Contract. If
                    there are multiple Beneficiaries, the remaining Contract Value continues to fluctuate with the performance of the Index Options and the Variable Option until the complete distribution of the death benefit. A
Valid Claim
is the documents we require to be received in Good Order at our Service Center before we pay any death claim.
Financial Adviser Fees
If you have a financial adviser and want to take a withdrawal from this Contract to pay your financial adviser fee, you can submit a written request to our Service Center by completing our third party money management customer authorization of transfer form and fee redemption authorization form. If we approve your request, we withdraw the requested fees and pay them to
                  your Financial Professional or Financial Professional's firm as instructed. The fee redemption authorization is an agreement between you and your Financial
                  Professional and/or the Financial Professional's firm. The agreement authorizes us to deduct financial adviser fees from the Contract and send them to the
                  Financial Professional or the Financial Professional's firm upon written request. You can terminate this agreement at any time by providing us written notice.
                  We retain the right to request an updated fee redemption authorization form at any time.
Once authorized by you, the Financial Professional or Financial Professional's firm requests each fee payment by submitting a letter of instruction that includes the fee amount.
We treat
                  this fee payment as a withdrawal which means it is subject to a withdrawal charge, income taxes, and may also be subject to a 10% additional
                  federal tax for amounts withdrawn before age 59
1
∕
2
. The amount of Contract Value available for withdrawal may also be affected by the Daily Adjustment
(which can be
                  negative).
We deduct financial adviser fees
                  (including any withdrawal charge) proportionately from each Index Option and the Variable Option. This withdrawal reduces the Contract Value and the amount available under the free withdrawal privilege by the dollar amount withdrawn. It may also reduce your Contract's Guaranteed Death Benefit Value proportionately by the percentage of Contract Value withdrawn, which may reduce this value
by more than the amount withdrawn and these reductions could be significant.
If this is a Non-Qualified Contract, a withdrawal will be a taxable withdrawal to the extent that gain exists within the Contract. Financial adviser fees paid from any type of IRA Contract (including IRA, Roth IRA, and SEP IRA) will not be treated as a taxable withdrawal as long as the annuity contract is solely liable for the payment of the financial adviser fee. You
                  should consult a tax adviser regarding the tax treatment of financial adviser fee payments.
Please consult with your Financial Professional before requesting us to pay financial adviser fees from this Contract rather than from other assets you may have.
Your financial adviser acts on your behalf, not ours. We are not party to any agreement between you and your financial adviser, nor are we responsible for your financial adviser's actions. We do not verify that withdrawals for financial adviser fees align with the terms of your agreement with your financial adviser, but we verify that payments are made in accordance with the fee redemption authorization agreement you submit to us. We do not set your financial adviser fee or receive any
                  part of it. Any withdrawals for financial adviser fees you pay is in addition to this Contract's fees and expenses.
We pay sales commissions to the selling firms and their Financial Professionals. The maximum commission payable to the selling firms for Contract sales is expected to not exceed 7% of Purchase Payments. Sometimes, we enter into an agreement with a selling firm to pay commissions as a combination of a certain amount of the commission at the time of sale and a trail
                  commission which, when totaled, could exceed 7% of Purchase Payments. Financial Professionals and their managers may also be eligible for various benefits
                  such as production incentive bonuses, insurance benefits, and non-cash compensation items that we may provide jointly with our principal underwriter, Allianz
                  Life Financial Services, LLC. You
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should ask your financial adviser about compensation they receive for this Contract. Allianz Life is not an investment adviser, and does not provide investment advice in connection with sales of the Contract. We are not a fiduciary to you, and do not make recommendations or assess suitability.
You can submit a written request to our Service Center on a form satisfactory to us to allow your financial adviser to make Index Option transfers and allocation changes on your behalf. However, we reserve the right to review a financial adviser's trading history before allowing him or her to make transfers. If, in our sole discretion, we believe the financial adviser's trading history indicates excessive trading, we can deny your request. If we approve it, your financial adviser is subject to the same trading restrictions that apply to Owners. We can deny or revoke trading authority in our sole discretion.
Financial Adviser Fee Deduction Example
These calculations show the effects of withdrawing financial adviser fees on the Contract Value and available Guaranteed Death Benefit Value. These withdrawals (including any withdrawal charges) immediately reduce the Contract Value on a dollar for dollar basis, and reduce the available Guaranteed Death Benefit Value by the percentage of Contract Value withdrawn.
The following example assumes the Contract was purchased on or after May 1, 2024.
The example assumes a withdrawal of $5,000 once per year on days that are not Term End
                  Dates to pay financial adviser fees starting when the Contract Value is $100,000, the Guaranteed Death Benefit Value under the Traditional Death Benefit is
                  $90,000, and the Guaranteed Death Benefit Value under the Maximum Anniversary Value Death Benefit is $105,000. The first withdrawal assumes that there is no amount remaining under the free withdrawal privilege for that year, so that withdrawal is subject to an 8% withdrawal charge. Subsequent withdrawals are all taken under the free withdrawal privilege. All fractional numbers in these examples have been rounded up to the next whole number. All Contract Value figures reflect the Daily Adjustment.
Financial Adviser Fee
Withdrawal
Contract
Value
Guaranteed Death Benefit
Value for a Contract with the
Traditional Death Benefit
Guaranteed Death Benefit Value
for a Contract with the
Maximum Anniversary Value
Death Benefit
Prior to 1
st
years withdrawal
$ 100,000
$ 90,000
$ 105,000
$5,000 withdrawal (subject to an
8% withdrawal charge)
– [($5,000 ÷ (1 – 8%)]
Amount withdrawn
– $5,435
– [($5,435 ÷ 100,000) x 90,000]
– [($5,435 ÷ 100,000) x 105,000]
= - $4,892
= - $5,707
After 1
st
years withdrawal
$ 94,565
$ 85,108
$ 99,293
Prior to 2
nd
years withdrawal
$ 97,000
$ 85,108
$ 99,293
$5,000 withdrawal (not subject to a
withdrawal charge)
– $5,000
– [($5,000 ÷ 97,000) x 85,108]
– [($5,000 ÷ 97,000) x 99,293]
= - $4,388
= - $5,119
After 2
nd
years withdrawal
$ 92,000
$ 80,720
$ 94,174
Prior to 3
rd
years withdrawal
$ 80,000
$ 80,720
$ 94,174
$5,000 withdrawal (not subject to a
– $5,000
– [($5,000 ÷ 80,000) x 80,720]
– [($5,000 ÷ 80,000) x 94,174]
withdrawal charge)
= - $5,045
= - $5,886
After 3
rd
years withdrawal
$ 75,000
$ 75,675
$ 88,288
The death benefit is the greater of the Contract Value, or the Guaranteed Death Benefit Value, so the death benefit would be:
•
$94,565 Contract Value under the Traditional Death Benefit, or the $99,293
                    Guaranteed Death Benefit Value under the Maximum Anniversary Value Death Benefit after the first adviser fee deduction.
•
$92,000 Contract Value under the Traditional Death Benefit, or the $94,174
                    Guaranteed Death Benefit Value under the Maximum Anniversary Value Death Benefit after the second adviser fee deduction.
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•
$75,675 Guaranteed Death Benefit Value under the Traditional Death Benefit,
                    or the $88,288 Guaranteed Death Benefit Value under the Maximum Anniversary Value Death Benefit after the third adviser fee deduction.
Please see section 10, Income Benefit – Excess Withdrawals for an example showing the impact of taking an Excess Withdrawal of $5,000 from the Contract to pay financial adviser fees to your Financial Professional.
When the Contract Ends
The Contract ends when:
•
all applicable phases of the Contract (Accumulation Phase, Income Period
                    and/or Annuity Phase) have ended, and/or
•
if we received a Valid Claim, all applicable death benefit payments have been
                    made.
For example, if you take a full withdrawal of the total Cash Value, both the Accumulation Phase and the Contract end even though the Income Period and Annuity Phase never began and we did not make any death benefit payments.
2.
Ownership, Annuitant, Determining Life, Beneficiary, and Payee
Owner
The Owner designated at Contract issue has all the rights under the Contract. The Owner may be an individual, or a non-individual (such as a trust or other entity acting as an agent for a natural person). Qualified Contracts and non-individually owned Contracts can only have one Owner. A
Qualified Contract
is purchased under a pension or retirement plan that qualifies for special tax treatment
                  under sections of the Code.
Joint Owner
A Non-Qualified Contract can be owned by up to two individual Owners
(Joint Owners)
. Joint Owners must be spouses within the meaning of federal tax law. We generally require the signature of both Joint Owners on any forms that are submitted to our
                  Service Center.
Annuitant
The Annuitant is the individual on whose life we base Annuity Payments. Subject to our approval, you designate an Annuitant when you purchase a Contract. For Qualified Contracts, before the Annuity Date, the Owner must be the Annuitant unless the Contract is owned by a qualified plan or is part of a custodial arrangement. You can change the Annuitant on an
                  individually owned Non-Qualified Contract at any time before the Annuity Date.
You cannot change the Annuitant if the Owner is a non-individual
. Subject to our
                  approval, you can add a joint Annuitant on the Annuity Date. For Qualified Contracts, the ability to add a joint Annuitant is subject to any plan requirements
                  associated with the Contract. For individually owned Contracts, if the Annuitant who is not an Owner dies before the Annuity Date, the sole Owner (or younger Joint Owner) automatically becomes the new Annuitant, but the Owner can subsequently name another Annuitant.
Designating different persons as Owner(s) and Annuitant(s) can have important impacts on whether a death benefit is paid, and on who receives it as indicated below
. For more examples,
                  please see the Appendix A to the Form N-4 SAI. In order to convert Income Payments to Annuity Payments the Covered Person(s) must be named as the Annuitant(s)
                  as discussed in section 8, When Annuity Payments Begin.
Designating
                  different persons as Covered Person(s) and Annuitant(s) will cause the Income Benefit and Income Payments to end at the maximum permitted
                  Annuity Date.
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Use care when designating Owners, Covered Person(s) and Annuitant(s), and consult your Financial
                Professional if you have questions
.
UPON THE DEATH OF A SOLE OWNER
Action if the Contract is in the Accumulation Phase
Action if the Contract is in the Annuity Phase
• We pay a death benefit to the Beneficiary unless the
Beneficiary is the surviving spouse and continues the Contract.
The Income Benefit and any Income Payments will also end
unless the Beneficiary is both a surviving spouse and either an
Eligible Person (if Income Payments have not begun) or a
Covered Person (if Income Payments have begun).
• If the deceased Owner was a Determining Life and the
surviving spouse Beneficiary continues the Contract:
–
we increase the Contract Value to equal the Guaranteed
Death Benefit Value if greater and available, and the
death benefit ends,
–
the surviving spouse becomes the new Owner,
–
if Income Payments have not begun the Accumulation
Phase continues,
–
if Income Payments have begun they can only continue if
the surviving spouse is a Covered Person; otherwise the
Income Benefit ends, and
–
upon the surviving spouse's death, his or her
Beneficiary(ies) receives the Contract Value.
• If the deceased Owner was not a Determining Life, the
Traditional Death Benefit or Maximum Anniversary Value Death
Benefit are not available and the Beneficiary(ies) receives the
Contract Value.
• The Beneficiary becomes the Payee. If we are still required to
make Annuity Payments under the selected Annuity Option, the
Beneficiary also becomes the new Owner.
• If the deceased was not an Annuitant, Annuity Payments to the
Payee continue. No death benefit is payable.
• If the deceased was the only surviving Annuitant, Annuity
Payments end or continue as follows.
–
Annuity Option A or C, payments end when the
guaranteed period ends.
–
Annuity Option B, F, or G, payments end. If Income
Payments were converted to Annuity Payments under
Annuity Option B or F, we will also pay any remaining
value to the named Beneficiary(ies).
–
For more information on the Annuity Options, please see
section 8.
• If the deceased was an Annuitant and there is a surviving joint
Annuitant, Annuity Payments to the Payee continue during the
lifetime of the surviving joint Annuitant. No death benefit is
payable.
• For a Qualified Contract, the Annuity Payments must end ten
years after the Owner's death.
Determining Life (Lives)
The Determining Life (Lives) are the individuals on whose life we base the Guaranteed Death Benefit Value provided by the Traditional Death Benefit or Maximum Anniversary Value Death Benefit. We establish the Determining Life (Lives) at Contract issue. For an individually owned Contract, the Determining Life (Lives) are the Owner(s). For a non-individually owned
                  Contract, the Determining Life is the Annuitant. After the Issue Date, the Determining Life (Lives) only change if:
•
you remove a Joint Owner due to divorce, then we also remove that person as a
                    Determining Life,
•
you add or change a Joint Owner, then that person will become a Determining
                    Life if they are the current spouse within the meaning of federal tax law of an existing Owner, or
•
you establish a jointly owned Non-Qualified Contract and change ownership to
                    a Trust, then we remove the prior Owner who is not the Annuitant as a Determining Life.
Beneficiary
The Beneficiary is the person(s) or entity you designate to receive any death benefit. You can change the Beneficiary or contingent Beneficiary at any time before your death unless you name an irrevocable Beneficiary. If a Beneficiary dies before you, or you and a Beneficiary die within 120 hours of each other, that Beneficiary's interest in this Contract ends unless
                  your Beneficiary designation specifies otherwise. If there are no surviving primary Beneficiaries, we pay the death benefit to the contingent Beneficiaries
                  who survive you. If there are no surviving Beneficiaries or if there is no named Beneficiary, we pay the death benefit to your estate or the Owner if the
                  Owner is a non-individual.
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•
FOR JOINTLY OWNED CONTRACTS:
The sole primary
                            Beneficiary is the surviving Joint Owner regardless of
any other named primary Beneficiaries. If both Joint Owners
                            die within 120 hours of each other, we pay the death
benefit to the named surviving primary Beneficiaries. If
                            there are no named surviving primary Beneficiaries, we pay
the death benefit to the named surviving contingent
                            Beneficiaries, or equally to the estate of the Joint Owners if there
are no named surviving contingent Beneficiaries.
•
NAMING AN ESTATE AS A BENEFICIARY:
If an estate is the
                            Beneficiary, the estate must be the sole primary
Beneficiary, unless the Spouse is the sole primary
                            Beneficiary. If the Spouse is the sole primary Beneficiary, then an
estate can be a contingent beneficiary.
Eligible Person(s) and Covered Person(s)
We determine Eligible Persons on the Issue Date based on the Contract's ownership and tax qualification status. We use Eligible Person(s) to determine the Income Percentage and Income Percentage Increase, when you will begin receiving Income Percentage Increases, when Income Payments are available to you, and the payment type (single or joint) available to you.
We base Income Payments on the lives of the Covered Person(s). We determine the Covered Person(s) on the Income Benefit Date based on the available Eligible Person(s), their marital status, and the payment type you select. Joint Income Payments are only available if there are two Eligible Persons on the Income Benefit Date who are also spouses within the meaning of federal tax law and they meet the requirements stated here.
Because Income Payments must begin no later than age 100, and are
                  not available until age 50, joint Income Payments are not available if there is more than a 50-year age difference between
                  spouses.
Eligible Person and Covered Person Requirements
For a single, individual Owner:
•
You, the Owner, are an Eligible Person.
•
If you and the sole primary Beneficiary are spouses within the meaning of
                    federal tax law, the sole primary Beneficiary is also an Eligible Person and you can select joint Income Payments with both Eligible Persons becoming
                    Covered Persons.
•
If you select single Income Payments only you, the Owner, can be the Covered
                    Person.
For Joint Owners:
•
Both Joint Owners are Eligible Persons.
•
If you select single Income Payments you can designate either Eligible Person
                    to be the Covered Person.
•
If you select joint Income Payments you must designate both Joint Owners to
                    be the Covered Persons.
For Contracts owned by a non-individual:
•
The Annuitant is the Eligible Person.
•
For Non-Qualified Contracts, we only allow one Eligible Person and joint
                    Income Payments are not available.
•
For Qualified Contracts, if the Owner is a qualified plan or a custodian and
                    the Annuitant and sole contingent Beneficiary are spouses within the meaning of federal tax law, the sole contingent Beneficiary is also an Eligible Person. However, joint Income Payments are only available if the qualified plan or custodian is also the sole primary Beneficiary. This structure allows the surviving non-Annuitant spouse to continue to receive Income Payments, assuming the
                    surviving non-Annuitant spouse is the beneficiary under the qualified plan or custodial IRA.
•
If you select single Income Payments only the Annuitant can be the Covered
                    Person.
If an Eligible Person or a Covered Person is no longer an Owner, Joint Owner, Annuitant, sole primary Beneficiary, or sole contingent Beneficiary as required above due to death, change in spousal status, an assignment or change of ownership/Beneficiary, we will remove that person from the Contract as an Eligible Person or Covered Person. If an Eligible Person is
                  removed, you cannot designate that person to be a Covered Person. If a Covered Person is removed, that person is no longer a Covered Person.
If we remove all Eligible Persons or Covered Persons from the Contract, the Income Benefit ends.
You can only add or replace an Eligible Person on or before the date you request Income Payments
. If you add or change an Owner, sole primary Beneficiary or sole contingent Beneficiary
                  that person will become an Eligible Person if they are the current spouse within the meaning of federal tax law of an existing Eligible Person and meet the
                  requirements stated in this section. If you add or replace an Eligible Person we will recalculate your Lifetime Income Percentages based
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on the age of the new Eligible Person on the Index Effective Date and Index Anniversaries, if applicable, as stated in section 10, Income Benefit – How the Income Benefit Works. At any given time there cannot be more than two Eligible Persons.
After the Income Benefit Date, you cannot add, remove, or replace a Covered Person even if you add or change an Owner, or Beneficiary
.
Change in Spousal Status of Eligible Persons or Covered Persons
If at any time joint Eligible Persons or joint Covered Persons are no longer spouses you must send us written notice. If we receive notice on or before the Income Benefit Date, joint Income Payments will not be available to you unless you remarry and add your new spouse as a Joint Owner or sole primary or contingent Beneficiary according to the requirements stated in this
                  section. If we receive notice after the Income Benefit Date, we will remove one former spouse from the Contract as a Covered Person and also as an Owner,
                  Joint Owner, Annuitant and/or Beneficiary.
Upon notification of divorce, we treat any request to reduce or divide benefits under this Contract as a request for a withdrawal of Contract Value payable to you. However, for tax purposes this is generally treated as a transfer depending on the terms of the divorce decree. We process the withdrawal and remove one spouse from the Contract as an Eligible Person or Covered Person, Owner, Annuitant and/or Beneficiary, according to your instructions or any applicable court order. This
                  withdrawal is subject to any applicable tax or withdrawal charge, and may cause Income Payments and the Income Benefit to end prematurely. However, if you do
                  not notify us of the divorce, the Contract continues and upon the death of an Owner, we pay any applicable death benefit to the Beneficiary(s) and the
                  Contract and the Income Benefit both end.
Payee
The Payee is the person or entity who receives Annuity Payments during the Annuity Phase. The Owner receives tax reporting on those payments. Generally, we require the Payee to be an Owner. However, we may allow you to name a charitable trust, financial institution, qualified plan, or an individual specified in a court order as a Payee subject to our approval.
                  For Qualified Contracts owned by a qualified plan, the qualified plan must be the Payee.
Assignments, Changes of Ownership and Other Transfers of Contract Rights
You can assign your rights under this Contract to someone else during the Accumulation Phase. An assignment may be absolute or limited, and includes changes of ownership, collateral assignments, or any other transfer of specific Contract rights. After an assignment, you may need the consent of the assignee of record to exercise certain Contract rights depending on the type of assignment and the rights assigned.
The Contract cannot be assigned without our consent. You must submit your request to assign the Contract in writing to our Service Center. We will not consent if the assignment would violate or result in noncompliance with any applicable state or federal law or regulation.
We record the assignment as of the date you signed the request, unless you specify otherwise. We are not responsible for the validity or effect of the assignment. We are not liable for any actions we take or payments we make before we receive your request in Good Order and record it. Assigning the Contract does not change, revoke or replace the originally named Annuitant or Beneficiary; if you also want to change the Annuitant or Beneficiary, you must make a separate request.
•
An assignment may be a taxable event
. In addition, there are other
                            restrictions on changing the ownership of a
Qualified Contract and Qualified Contracts generally cannot
                            be assigned absolutely or on a limited basis.
You should
consult with your tax
                            adviser before assigning this Contract
.
•
An assignment will only change the Determining Life (Lives) if it involves removing a Joint Owner due to
divorce, replacing Joint Owners with a
                            Trust, or adding a Joint Owner if that person is a spouse within the
meaning of federal tax law of the existing
                            Owner.
3.
Purchasing the Contract
Purchase Requirements
To purchase this Contract, on the Issue Date, all Owners and the Annuitant must be:
•
age 80 or younger, or
•
age 75 or younger if you select the Maximum Anniversary Value Death Benefit.
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The Purchase Payment requirements for this Contract are as follows.
•
The minimum initial Purchase Payment due on the Issue Date is $5,000.
•
We restrict additional Purchase Payments.
Each Index Year during the Accumulation Phase  and before the Income Benefit Date, you
                    cannot add more than your initial amount without our prior approval. Your initial amount is the total of all Purchase Payments received before the first
                    Quarterly Contract Anniversary of the first Contract Year. We allow you to add up to the initial amount in the remainder of the first Index Year. The
                    minimum additional Purchase Payment we will accept is $50.
•
We do not accept additional Purchase Payments on or after the Income Benefit
                    Date, or on or after the Annuity Date.
•
The maximum total Purchase Payments we accept without our prior approval is
                    $1 million.
We may, at our sole discretion, waive the minimum Purchase Payment requirements.
Once we receive your initial Purchase Payment and all necessary information in Good Order at our Service Center, we issue the Contract within two Business Days. If the Issue Date is the same as the Index Effective Date, we allocate your initial Purchase Payment to the Index Options. If the Issue Date is not the Index Effective Date we hold your initial Purchase Payment in the Variable Option before we transfer it to your selected Index Options. If you do not give us all of the
                  information we need, we contact you or your Financial Professional. If for some reason we are unable to complete this process within five Business Days, we
                  either send back your Purchase Payment or get your permission to keep it until we get all of the necessary information. If you make additional Purchase
                  Payments, we add this money to your Contract on the Business Day we receive it in Good Order.
If you submit a Purchase Payment and/or application to your Financial Professional, we do not begin processing the payment and/or application until we receive it.
We may terminate your ability to make additional Purchase Payments because we reserve the right to decline any or all Purchase Payments at any time on a nondiscriminatory basis
. This
                  applies to Contracts issued in all states except as disclosed in Appendix F. If mandated under applicable law, we may be required to reject a Purchase
                  Payment. We will decline a Purchase Payment we receive on the same Business Day that we receive in Good Order a request for full withdrawal, or Contract cancellation during the free look period.
If we
                  exercise our right to decline additional Purchase Payments, this may limit your ability to fund your Contract's guaranteed benefits such as
                  the Income Benefit, Traditional Death Benefit or Maximum Anniversary Value Death Benefit.
Applications Sent Electronically
We accept manually signed applications that are in Good Order and are sent by fax, or email, or uploaded to our website. It is important to verify receipt of any faxed application, or to receive a confirmation number when using email or the web. We are not liable for applications that we do not receive. A manually signed application sent by fax, email or over the web is considered the same as an application delivered by mail. Our electronic systems (fax, email or website) may not always be available; any electronic system can experience outages or slowdowns which may delay application processing. Although we have taken precautions to help our system handle heavy use, we cannot promise complete reliability. If you experience
                  problems, please submit your written application by mail to our Service Center. We reserve the right to discontinue or modify our electronic application
                  policy at any time and for any reason.
Allocation of Purchase Payments and Contract Value Transfers
The allocation instructions you provide on your application automatically become your default allocation instructions. We use these allocation instructions for all Purchase Payments we receive unless you change them. Any change to allocation instructions will replace any existing allocation instructions and will be used as the basis for transfers between and among the
                  Index Options.
We only allow Purchase Payments to move into the Index Options on the Index Effective Date and on
                  subsequent Index Anniversaries.
As a result,
                  we hold Purchase Payments in the Variable Option when we receive them on days other than the Index Effective Date or Index Anniversaries. We then transfer
                  them to the Index Options on the next Index Anniversary according to your allocation instructions. We apply any Purchase Payments we receive on the Index
                  Effective Date or on an Index Anniversary directly to the Index Options on that day; these Purchase Payments are not held in the Variable Option.
We only allow Index Option Value transfers between Index Options on Term End Dates. However, you can
                  transfer between Index Options before the Term End Date by executing a Performance Lock and an Early Reallocation. For multi-year Term Index Options you can also transfer between Index Options before the Term End Date by executing a
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Performance Lock before the last year of the Term. We do not allow assets to move into
                an established Index Option until the Term End Date. If you request to transfer into an established Index Option on a date
                that is not a Term End Date, we will transfer those assets into the same Index Option with a new Term Start Date.
You select the Index Effective Date when you purchase your Contract. It can be any Business Day up to and including the first Quarterly Contract Anniversary, but it cannot be the 29th, 30th or 31st of a month.
On your application if you select…
Your Index Effective Date will be either…
the earliest Index Effective Date
• your Issue Date, or
• the first Business Day of the next month if the Issue Date is the 29th, 30th, or 31st of a
month
the deferred Index Effective Date
• your first Quarterly Contract Anniversary, or
• the next Business Day if the first Quarterly Contract Anniversary occurs on a non-Business
Day, or the first Business Day of the next month if the
                            first Quarterly Contract Anniversary
is the 29th, 30th, or 31st of a month
You should be aware that, generally, initial Trigger Rates, Caps, and Participation Rates could change every seven calendar days. However, these rates are guaranteed to be available during the period stated on our website at
www.allianzlife.com/RILAincomerates
and cannot be superseded until that period ends. If you select an Index Effective Date that is
                  within the guaranteed period for the initial rates that are available for review on the date you signed your application, you will receive
                  the initial rates that were available on the date you signed your application. However, if you select an Index Effective Date that is after
                  this guaranteed period, you are subject to the risk that initial Trigger Rates, Caps, and Participation Rates may change and be less
                  advantageous to you. Furthermore, if your Index Effective Date is after the end of the free look period and you cancel your Contract, you
                  will receive the Cash Value. On or before the Index Effective Date, the Daily Adjustment does
not
apply.
You may review future rates at least seven calendar days before their effectiveness at
www.allianzlife.com/RILAincomerates
. You (or your Financial Professional, if authorized) can change your Index Effective Date at any time before it occurs to be an earlier or later date by submitting a request.
However, your new Index
                  Effective Date cannot be later than the deferred Index Effective Date listed above. We must receive your request in Good Order at our Service Center before
                  the end of the Business Day on which you want the Index Effective Date to occur. Once your Index Effective Date occurs, all Index Options for your Contract will have the same Index Anniversary.
You can change your allocation instructions at any time without fee or penalty. These changes are effective on the Business Day we receive them in Good Order at our Service Center. We accept changes to allocation instructions from any Owner unless you instruct otherwise. We may allow you to authorize someone else to change these allocation instructions on your
                  behalf. However, we must receive allocation instruction changes (which will transfer your Index Option Values) in Good Order at our Service Center before the
                  end of the Business Day on the Term End Date (or the next Business Day if the Term End Date is a non-Business Day).
Changes to your allocation instructions will transfer existing Index Option Values on the Term End Date
.
We notify you at least 30 days in advance of each Index Anniversary as a reminder that on the upcoming anniversary you may transfer Index Option Value between Index Options. In order to make a transfer between Index Options, you must provide us with allocation instruction changes in Good Order. For more information, see the "Electronic Allocation Instructions"
                  discussion next in this section. On each Term End Date, if we have not received allocation instruction changes from you, all assets invested continue to be
                  invested in the same Index Options with new Term Start Dates at the renewal Trigger Rates, Caps, and Participation Rates.
We can add new Crediting Methods, Terms, and Indexes to your Contract in the future, and you can allocate Purchase Payments or transfer Contract Value to them on the Term Start Date after we make them available to you. Once we add a Crediting Method to your Contract we cannot remove it, or change how it calculates Performance Credits. If we add a new Index
                  Option to your Contract, we cannot change its Buffer or Floor after it is established. For a new Index Option, the minimum Buffer is 5% and the minimum Floor
                  is -25%. However, we can change the renewal and Early Reallocation Trigger Rates, Caps, and Participation Rates associated with any Index Option on each Term
                  Start Date subject to the guaranteed minimums.
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•
In order to apply Purchase Payments we receive
after
the Index Effective Date to your selected Index Option(s) on
the next Index Anniversary, we must receive them
before
the end of the Business Day on the Index Anniversary (or
before the end of the
prior
Business Day if the anniversary is a non-Business Day).
•
Purchase Payments we hold in the Variable Option before transferring them to your selected Index Options are
subject to Contract fees
                            and expenses (e.g. product fee, contract maintenance charge), and market risk and may
lose value.
Electronic Allocation Instructions
We use reasonable procedures to confirm that electronic allocation instructions given to us are genuine. If we do not use such procedures, we may be liable for any losses due to unauthorized or fraudulent instructions. We record telephone instructions and log all fax, email and website instructions. We reserve the right to deny any allocation instruction change, and
                  to discontinue or modify our electronic instruction privileges at any time for any reason.
Please note that telephone, fax, email and/or the website may not always be available. Any electronic system, whether it is ours, yours, your service provider's, or your Financial Professional's, can experience outages or slowdowns for a variety of reasons, which may delay or prevent our processing of your allocation instruction change. Although we have taken precautions to help our systems handle heavy use, we cannot promise complete reliability. If you are experiencing problems, you should
                  submit your instructions in writing to our Service Center.
By authorizing electronic instructions, you authorize us to accept and act upon these instructions for your Contract. There are risks associated with electronic communications that do not occur with a written request. Anyone authorizing or making such requests bears those risks. You should protect your website password, because the website is available to anyone with your
                  password; we cannot verify that the person providing instructions on the website is you, or is authorized by you.
Free Look/Right To Examine Period
If you change your mind about the Contract, you can cancel it within the free look period stated on the first page of your Contract. In most states, this is ten calendar days after you receive the Contract. If you cancel your Contract during the free look period, in most states we return your Contract Value as of the Business Day we receive your cancellation request in Good Order. This may be more or less than your initial Purchase Payment. In states that require us to return Purchase Payments less withdrawals if you cancel your Contract, we return Contract Value if greater.
IRA Contracts require us to return Purchase Payments less withdrawals. If you cancel your IRA Contract, we return the greater of Purchase Payments less withdrawals or Contract Value.
If your cancellation request occurs after the Index Effective Date, your Contract Value will include the Daily Adjustment, which may be negative.
Some states and certain IRA Contracts require return of Purchase Payments. For these Contracts, we reserve the right to hold your initial Purchase Payment in the Variable Option until the free look period ends, and then re-allocate your Contract Value, less fees and expenses, according to your allocation instructions. If we exercise this right, the Contract Value we
                  use to determine your refund amount on a cancellation request will not include the Daily Adjustment as the Index Effective Date will not yet have occurred.
                  Currently we only exercise this right on certain Contracts issued in California as noted in Appendix F. If we hold your initial Purchase Payment in the
                  Variable Option during the free look period and the requested Index Effective Date would occur during this time, we change your Index Effective Date to the next Business Day after the free look period that is not the 29th, 30th or 31st of the month. Then, if you:
•
cancel your Contract during this time, we return the greater of Purchase
                    Payments less withdrawals, or Contract Value. We do not assess a withdrawal charge or deduct any other Contract fees or expenses if you cancel your Contract
                    during the free look period. If you take a withdrawal (including financial adviser fees that you choose to have us pay from this Contract) that is subject to a withdrawal charge and then cancel your Contract during the free look period, we will refund any previously deducted withdrawal charge upon cancellation.
•
do not cancel your Contract during this time, we re-allocate your Contract
                    Value to the Index Options according to your allocation instructions on the Index Effective Date.
In the Contract, the free look provision is also called the right to examine.
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4.
Valuing Your Contract
Your Contract Value is the total of the Variable Account Value and all Index Option Values.
Variable Account Value increases when….
Variable Account Value decreases when….
• we hold assets in the Variable Option on an interim basis
before transferring them to your selected Index Option(s),
                            or
due to a Contract Value increase associated with the death
                            of
a Determining Life, or
• there is positive Fund performance
• you take assets out of the Variable Option by withdrawal
(including financial adviser fees that you choose to have
                            us
pay from this Contract),
• we transfer assets held in the Variable Option on an interim
basis to your selected Index Option(s) according to
                            allocation
instructions,
• there is negative Fund performance, or
• we deduct Contract fees and expenses
Contract fees and
                            expenses we deduct from the Variable Option include the product fee, rider fee, contract maintenance
charge, and withdrawal charge as described
                            in section 6, Expenses.
Financial
                            adviser fees that you choose to have us pay
from this Contract are described in section
                            1, The Contract.
The Variable Option does not provide any protection against loss of principal.
You can lose principal and previous earnings for Purchase
                  Payments held in the Variable Option. These losses can be significant
.
Index Option Values increase when….
Index Option Values decrease when….
• you add assets to an Index Option by Purchase Payment,
make allocation instruction changes that transfer Contract
Value, or request an Early Reallocation into the Index
                            Option,
• we transfer assets held in the Variable Option on an interim
basis to your selected Index Option according to allocation
instructions, or
• you receive a positive Performance Credit or Daily Adjustment
• you take assets out of an Index Option by
withdrawal (including any financial adviser fees that you
choose to have us pay from this Contract), make allocation
instruction changes that transfer Contract Value, or
                            request an
Early Reallocation out of the Index Option,
• you receive a negative Performance Credit or Daily
Adjustment, or
• we deduct Contract fees and expenses
Contract fees and
                            expenses we deduct from the Index Options include the product fee, rider fee, contract maintenance
charge, and withdrawal charge as described
                            in section 6, Expenses. Financial adviser fees that you choose to have us pay
from this Contract are described in section
                            1, The Contract.
We apply transfers of Contract Value and Purchase Payments to the Index Options on the Index Effective Date and Index Anniversaries. We apply Performance Credits to the Index Options on the Term End Dates. Contract expenses are deducted at different times during the Index Year as stated in section 6, Expenses. We pay financial adviser fees to your Financial
                  Professional or the Financial Professional's firm upon written request as stated in section 1, The Contract. The Daily Adjustment applies on any Business Day
                  other than the Term Start Date or the Term End Date.
Performance Credits are subject to the applicable Buffer, Floor, Trigger Rate, Cap, and/or Participation Rate
. Positive Performance Credits are not guaranteed. Performance Credits can be negative after
                  application of the 10%, 20%, or 30% Buffer for any Index Option with the Index Dual Precision Strategy, Index Precision Strategy, or Index Performance Strategy; or negative down to the -10% Floor for any Index Option with the Index Guard Strategy.
A negative Performance Credit means that you can lose principal and previous earnings.
These losses can be significant.
We require that the Contract Value after a partial withdrawal must be at least $2,000.*
We reserve the right to treat a partial withdrawal that reduces the Contract Value below this
                  minimum as a full withdrawal.
*
Does not apply to Income Payments or RMD payments under our minimum
                    distribution program.
Determining Variable Account Value
The Separate Account holds Purchase Payments held in the Variable Option before we transfer them to the Index Options. The Variable Option is a subaccount of the Separate Account, and is the only variable investment option under the Contract. The Variable Option invests exclusively in the shares of the AZL Government Money Market Fund.
We convert amounts allocated to the Variable Option into subaccount accumulation units. The daily value of a unit in the Variable Option (accumulation unit value) is based, in part, on the daily net asset value of the Fund. The Fund's net asset
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value reflects the performance of the Fund's portfolio and the deduction of the Fund's operating expenses. The accumulation unit value also reflects the deduction of certain charges under the Contract, as described below. The accumulation unit value for the Variable Option is typically determined at the end of each Business Day. Purchase Payments received by us
                before the end of a Business Day will be priced based on the accumulation unit value calculated at the end of that Business Day.
Any such Purchase Payments received by us at or after the end of a Business Day will be priced based on the accumulation unit value calculated at the end of the next Business Day.
We calculate your Variable Account Value at the end of each Business Day by multiplying the number of accumulation units attributable to your Contract by the accumulation unit value for that Business Day.
On the Issue Date, the number of accumulation units attributable to your Contract is equal to the amount allocated to the Variable Option divided by its accumulation unit value. At the end of each Business Day, the number of subaccount accumulation units:
•
increases
when:
−
we hold assets in the Variable Option on an interim basis before
                    transferring them to your selected Index Option(s), or due to a Contract Value increase associated with the death of a Determining Life; and
•
decreases
when:
−
you remove assets from the Variable Option by taking a withdrawal (including
                    financial adviser fees that you choose to have us pay from this Contract), or
−
we transfer assets held in the Variable Option on an interim basis to your
                    selected Index Option(s) according to allocation instructions, or we deduct Contract fees and expenses.
We arbitrarily set the initial accumulation unit value for the Variable Option. At the end of each Business Day, we determine the new accumulation unit value for the Variable Option by multiplying the prior Business Day's accumulation unit value by the Fund's percentage change in price (which is the change in net asset value) since the prior Business Day. The
                  percentage change in price includes the Fund's market performance.
Example
•
We receive at our Service Center an additional Purchase Payment of $3,000
                    from you before the end of the Business Day.
•
When the New York Stock Exchange closes on that Business Day, we determine
                    that the accumulation unit value is $13.25 for the Variable Option.
•
We then divide $3,000 by $13.25 and credit your Contract that night with
                    226.415094 subaccount accumulation units for the Variable Option.
How the Crediting Methods Work
The
Index Protection Strategy with Trigger
provides a Performance Credit equal to the Trigger Rate if the Index Value on the Term End
                  Date is equal to or greater than the Index Value on the Term Start Date, regardless of the amount of actual Index Return. If the current Index Value is less
                  than it was on the Term Start Date, the Performance Credit is zero.
The
Index Protection Strategy with Cap
provides a Performance Credit.
•
If the Index Return is positive, the Performance Credit is equal to the Index
                    Return up to the Cap.
•
If the Index Value on the Term End Date is equal to or less than the Index
                    Value on the Term Start Date, the Performance Credit is zero.
The
Index Dual Precision Strategy
provides a Performance Credit.
•
You receive a Performance Credit equal to the Trigger Rate if the Index Value
                    on the Term End Date is:
−
equal to or greater than the Index Value on the Term Start Date, regardless
                    of the amount of actual Index Return.
−
less than the Index Value on the Term Start Date and the loss is less than
                    or equal to the 10%, 20%, or 30% Buffer.
•
If the Index Return is negative and the loss is greater than the 10%, 20%, or
                    30% Buffer, the negative Performance Credit is equal to the negative Index Return in excess of the 10%, 20%, or 30% Buffer. You participate in any losses beyond the 10%, 20%, or 30% Buffer.
•
There are restrictions on the availability of the Buffers, based on Issue
                    Date, as discussed in "Overview of the Contract – What Are the Phases of the Contract?".
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The
Index Precision
                Strategy
provides a Performance Credit.
•
If the Index Value on the Term End Date is equal to or greater than the Index
                    Value on the Term Start Date, regardless of the amount of actual Index Return, the Performance Credit is equal to the Trigger Rate.
•
If the Index Return is negative and the loss is:
−
less than or equal to the 10% Buffer, the Performance Credit is zero. We
                    absorb any loss up to the 10% Buffer.
−
greater than the 10% Buffer, the negative Performance Credit is equal to the
                    negative Index Return in excess of the 10% Buffer. You participate in any losses beyond the 10% Buffer.
The
Index Guard Strategy
provides a Performance Credit.
•
If the Index Return is positive, the Performance Credit is equal to the Index
                    Return up to the Cap.
•
If the Index Value on the Term End Date is equal to the Index Value on the
                    Term Start Date, the Performance Credit is zero.
•
If the Index Return is negative, the negative Performance Credit is equal to
                    the negative Index Return down to the -10% Floor. You participate in any losses down to the -10% Floor. We absorb any negative Index Return beyond the -10%
                  Floor.
The
Index Performance Strategy
provides a Performance Credit.
•
If the Index Return is positive, the Performance Credit is equal to:
−
the Index Return up to the Cap for a 1-year Term. If the 1-year Term is
                    uncapped, the Performance Credit is equal to the Index Return.
−
the Index Return multiplied by the Participation Rate, up to the Cap for a
                    3-year or 6-year Term. If the 3-year or 6-year Term is uncapped, the Performance Credit is equal to the Index Return multiplied by the Participation Rate. We apply the Participation Rate and Cap for the entire Term length; we do
not
apply the Participation Rate and Cap annually on a 3-year or 6-year Term.
•
If the Index Value on the Term End Date is equal to the Index Value on the
                    Term Start Date, the Performance Credit is zero.
•
If the Index Return is negative and the loss is:
−
less than or equal to the 10%, 20%, or 30% Buffer, the Performance Credit is
                    zero. We absorb any loss up to the 10%, 20%, or 30% Buffer. We apply the Buffer for the entire Term length; we do
not
apply the Buffer annually on a 3-year or 6-year Term Index Option.
−
greater than the 10%, 20%, or 30% Buffer, the negative Performance Credit is
                    equal to the negative Index Return in excess of the 10%, 20%, or 30% Buffer. You participate in any losses beyond the 10%, 20%, or 30% Buffer.
−
There are restrictions on the availability of the Buffers, based on Issue
                    Date, as discussed in "Overview of the Contract – What Are the Phases of the Contract?".
•
The Index Dual Precision Strategy, Index Precision Strategy, Index Guard Strategy, and Index Performance
Strategy allow negative Performance Credits.
A negative Performance Credit means you can lose principal and
previous earnings. The
                            maximum potential negative Performance Credit is: -90% with a 10% Buffer; -80% with a
20% Buffer; -70% with a
                            30% Buffer; and -10% with the Floor.
•
Because we calculate Index Returns only on a single date in time, you may experience negative or flat
performance even though the Index you
                            selected for a given Crediting Method experienced gains through
some, or most, of the Term.
•
If
an Index Performance Strategy Index Option is "uncapped" for one Term (i.e., we do not declare a Cap for
that Term) it does not mean that we will not
                            declare a Cap for it on future Term Start Dates.
On the next Term
Start Date we can declare a Cap for the next Term, or declare
                            it to be uncapped.
Comparing Crediting Methods
The Crediting Methods have different risk and return potentials.
What is the asset protection?
Index Protection
Strategy with Trigger
• Most protection.
• If the Index loses value, the Performance Credit is zero. You do not receive a negative Performance
Credit.
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What is the asset protection?
Index Protection
Strategy with Cap
• Most protection.
• If the Index loses value, the Performance Credit is zero. You do not receive a negative Performance
Credit.
Index Dual Precision
Strategy
• Less protection than the Index Protection Strategy with Trigger, Index Protection Strategy with Cap,
and Index Guard Strategy. Protection is equal to or greater
                            than what is available with the Index
Precision Strategy depending on the Index Option. Offers
                            the same protection levels as the Index
Performance Strategy.
• Buffer absorbs 10%, 20%, or 30% of loss, but you receive a negative Performance Credit for losses
greater than the Buffer.
• Potential for large losses in any Term.
• More sensitive to large negative market movements because small or moderate negative market
movements within the applicable 10%, 20%, or 30% Buffer
                            result in a positive Performance Credit. In
a period of extreme negative market performance, the risk
                            of loss is greater with the Index Dual
Precision Strategy than with the Index Guard Strategy.
Index Precision Strategy
• Less protection than the Index Protection Strategy with Trigger, Index Protection Strategy with Cap,
and Index Guard Strategy. Protection may be equal to or
                            less than what is available with the Index
Dual Precision Strategy and Index Performance Strategy
                            depending on the Index Option.
• Buffer absorbs 10% of loss, but you receive a negative Performance Credit for losses greater than
10%.
• Potential for large losses in any Term.
• More sensitive to large negative market movements because small negative market movements are
absorbed by the 10% Buffer. In a period of extreme negative
                            market performance, the risk of loss is
greater with the Index Precision Strategy than with the
                            Index Guard Strategy.
Index Guard Strategy
• Less protection than the Index Protection Strategy with Trigger and Index Protection Strategy with
Cap, but more than Index Dual Precision Strategy, Index
                            Precision Strategy, and Index Performance
Strategy.
• Permits a negative Performance Credit down to the -10% Floor.
• Protection from significant losses.
• More sensitive to smaller negative market movements that persist over time because the -10% Floor
reduces the impact of large negative market movements.
• In an extended period of smaller negative market returns, the risk of loss is greater with the Index
Guard Strategy than with the Index Dual Precision Strategy,
                            Index Precision Strategy, and Index
Performance Strategy.
• Provides certainty regarding the maximum loss in any Term.
Index Performance
Strategy
• Less protection than the Index Protection Strategy with Trigger, Index Protection Strategy with Cap,
and Index Guard Strategy. Index Options with a 10% Buffer
                            provide the same protection as the Index
Precision Strategy. The 20% and 30% Buffers provide more
                            protection than what is available with the
Index Precision Strategy. Offers the same protection levels
                            as the Index Dual Precision Strategy.
• Buffer absorbs 10%, 20%, or 30% of loss depending on the Index Option you select, but you receive
a negative Performance Credit for losses greater than the
                            Buffer.
• Potential for large losses in any Term.
• More sensitive to large negative market movements because small or moderate negative market
movements are absorbed by the Buffer. In a period of
                            extreme negative market performance, the risk
of loss is greater with the Index Performance Strategy than
                            with the Index Guard Strategy.
• In extended periods of moderate to large negative market performance, 3-year and 6-year Terms may
provide less protection than the 1-year Terms because, in
                            part, the Buffer is applied over a longer
period of time.
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What is the growth opportunity?
Index Protection
Strategy with Trigger
• Growth opportunity limited by the Trigger Rates.
• May perform best in periods of small positive market movements relative to the other Crediting
Methods, because such small positive market movements may
                            result in positive Performance Credits
that are greater than the Index Return while also providing
                            complete protection from any Index losses.
• These Trigger Rates will generally be less than Caps, and Index Precision Strategy's Trigger Rates.
Growth opportunity may be more or less than the Index Dual
                            Precision Strategy depending on Trigger
Rates.
Index Protection
Strategy with Cap
• Growth opportunity limited by the Caps.
• May perform best in periods of small positive market movements relative to the other Crediting
Methods, because such small positive market movements would
                            result in positive Performance
Credits while also providing complete protection from any
                            Index losses.
• Generally more growth opportunity than the Index Protection Strategy with Trigger, but less than the
Index Precision Strategy, Index Guard Strategy, and Index
                            Performance Strategy. Growth opportunity
may be more or less than the Index Dual Precision Strategy
                            depending on Caps and Trigger Rates.
• Caps will generally be greater than the Trigger Rates for Index Protection Strategy with Trigger, but
less than Index Precision Strategy's Trigger Rates, and
                            less than the Caps for the Index Guard
Strategy and Index Performance Strategy. These Caps may be
                            greater or less than Index Dual
Precision Strategy's Trigger Rates.
Index Dual Precision
Strategy
• Growth opportunity limited by the Trigger Rates.
• May perform best in periods of small or moderate negative market movements as it provides a
positive Performance Credit in these environments while
                            other Crediting Methods do not.
• Generally less growth opportunity than the Index Precision Strategy and Index Performance Strategy.
• Growth opportunity may be more or less than the Index Protection Strategy with Trigger, Index
Protection Strategy with Cap, and Index Guard Strategy
                            depending on Trigger Rates and Caps.
Index Precision Strategy
• Growth opportunity limited by the Trigger Rates.
• May perform best in periods of small positive market movements.
• Generally more growth opportunity than the Index Protection Strategy with Trigger, Index Protection
Strategy with Cap, and Index Dual Precision Strategy.
                            However, less growth opportunity than the
Index Dual Precision Strategy during periods of small or
                            moderate negative market movements.
• Growth opportunity may be more or less than the Index Guard Strategy or Index Performance
Strategy depending on Trigger Rates and Caps.
Index Guard Strategy
• Growth opportunity limited by the Caps.
• May perform best in a strong market.
• Growth opportunity that generally may be matched or exceeded only by the Index Performance
Strategy. However, growth opportunity may be more or less
                            than the Index Dual Precision Strategy,
Index Precision Strategy, or Index Performance Strategy
                            depending on Trigger Rates and Caps.
Index Performance
Strategy
• Growth opportunity limited by the Caps and/or Participation Rates.
If we do not declare a Cap for an
Index Option, there is
                            no maximum limit on the positive Index Return for that Index Option. In
addition, you can
                            receive more than the positive Index Return if the Participation Rate applies
and is greater than its
                            100% minimum. However, the Participation Rate cannot boost Index
Returns beyond a
                            declared Cap.
• May perform best in a strong market.
• 1-year Term with 10% Buffer Index Options, 3-year Term with 10% or 20% Buffer Index Options, and
6-year Term with 10% or 20% Buffer Index Options have the
                            most growth opportunity.
• Growth opportunity for the 1-year Term with 20% or 30% Buffer may be less than the Index Dual
Precision Strategy, Index Precision Strategy, and Index
                            Guard Strategy depending on Trigger Rates
and Caps.
What can change within a Crediting Method?
Index Protection
Strategy with Trigger
• Renewal and Early Reallocation Trigger Rates for existing Contracts can change on each Term Start
Date.
– 1-year Term has a 0.50% minimum Trigger Rate.
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What can change within a Crediting Method?
Index Protection
Strategy with Cap
• Renewal and Early Reallocation Caps for existing Contracts can change on each Term Start Date.
– 1-year Term has a 0.50% minimum Cap.
Index Dual Precision
Strategy
• Renewal and Early Reallocation Trigger Rates for existing Contracts can change on each Term Start
Date.
– 1-year Term with a 10%, 20%, or 30% Buffer has a 3% minimum Trigger Rate.
• The 10%, 20%, or 30% Buffers for the currently available Index Options cannot change. However, if
we add a new Index Option to your Contract after the Issue
                            Date, we establish the Buffer for it on the
date we add the Index Option to your Contract. The minimum
                            Buffer is 5% for a new Index Option.
Index Precision Strategy
• Renewal and Early Reallocation Trigger Rates for existing Contracts can change on each Term Start
Date.
– 1-year Term has a 3% minimum Trigger Rate.
• The 10% Buffers for the currently available Index Options cannot change. However, if we add a new
Index Option to your Contract after the Issue Date, we
                            establish the Buffer for it on the date we add
the Index Option to your Contract. The minimum Buffer is 5%
                            for a new Index Option.
Index Guard Strategy
• Renewal and Early Reallocation Caps for existing Contracts can change on each Term Start Date.
– 1-year Term has a 3% minimum Cap.
• The -10% Floors for the currently available Index Options cannot change. However, if we add a new
Index Option to your Contract after the Issue Date, we
                            establish the Floor for it on the date we add the
Index Option to your Contract. The minimum Floor is -25%
                            for a new Index Option.
Index Performance
Strategy
• Renewal and Early Reallocation Caps and/or Participation Rates for existing Contracts can change on
each Term Start Date.
– 1-year Term with 10%, 20%, or 30% Buffer has a 3% minimum Cap.
– 3-year Term with 10% or 20% Buffer has a 5% minimum Cap, and 100% minimum Participation Rate.
– 6-year Term with 10% or 20% Buffer has a 10% minimum Cap, and 100% minimum Participation
Rate.
• The 10%, 20%, and 30% Buffers for the currently available Index Options cannot change. However, if
we add a new Index Option to your Contract after the Issue
                            Date, we establish the Buffer for it on the
date we add the Index Option to your Contract. The minimum
                            Buffer is 5% for a new Index Option.
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•
For any Index Option with the
Index Dual Precision Strategy, Index Precision Strategy, or Index Performance
Strategy,
you participate in any negative Index Return in excess of the Buffer
, which reduces your Contract Value.
For example, for a 10% Buffer we absorb the first -10% of
                            Index Return and you could lose up to 90% of the Index
Option Value. However, for any Index Option with the
Index Guard Strategy
,
we absorb any negative Index Return
in excess of the -10%
                            Floor, so your maximum loss is limited to -10% of the Index Option Value due to negative
Index Returns.
• Trigger Rates, Caps, and Participation Rates as set by us from time-to-time may vary substantially based on market
conditions.
However, in extreme market environments, it is possible that all Trigger Rates, Caps, and Participation
Rates will be reduced to
                            their respective minimums of 0.50%, 3%, 5%, 10%, or 100% as stated in the table above.
• If your Contract is within its free look period you may be able to take advantage of any increase in initial Trigger
Rates, Caps, and/or Participation Rates by cancelling your
                            Contract and purchasing a new Contract.
• If the initial Trigger Rates, Caps, and/or Participation Rates available on the Index Effective Date are not acceptable
you have the following options.
– Cancel your Contract if you are still within the free look period. If you took a withdrawal that was subject to a
withdrawal charge (including financial adviser fees that you
                            choose to have us pay from this Contract) we will refund
any previously deducted withdrawal charge upon a free look
                            cancellation.
– Request to extend your Index Effective Date if you have not reached your first Quarterly Contract Anniversary.
– If the free look period has expired, request a full withdrawal and receive the Cash
                            Value. This withdrawal is subject to
withdrawal charges, income taxes, and may also be subject to
                            a 10% additional federal tax for amounts withdrawn
before age 59
1
∕
2
. If this occurs
on or before
the Index
                            Effective Date, the Daily Adjustment does
not
apply. If this
occurs
after
the Index Effective Date, you
are
subject to the Daily Adjustment.
•
Trigger Rates, Caps, and Participation Rates can be different from Index Option to Index Option.
For example,
Caps for the Index Performance Strategy 1-year Terms can be
                            different between the S&P 500
®
Index and the
Nasdaq-100
®
Index; and
                            Caps for the S&P 500
®
Index can be different between 1-year, 3-year, and 6-year Terms on
the Index Performance Strategy, and between the 1-year
                            Terms for the Index Guard Strategy and Index Performance
Strategy.
Initial, renewal, and Early Reallocation rates may also be different from Contract-to-Contract.
For
example, assume that on August 3, 2023 we set Caps for the
                            Index Performance Strategy 1-year Term with 10% Buffer
using the S&P 500
®
Index as
                            follows:
– 13% initial rate and 12% Early Reallocation rate for new Contracts issued in 2023,
– 14% renewal rate and 14% Early Reallocation rate for existing Contracts issued in 2022, and
– 12% renewal rate and 13% Early Reallocation rate for existing Contracts issued in 2021.
Bar Chart Examples of Crediting Method Performance
The following hypothetical examples show conceptually how the Crediting Methods might work on the Term End Date in different market environments and assume no change in the hypothetical Trigger Rates, Caps, and/or Participation Rates. All values below are for illustrative purposes only. The examples do not reflect any Trigger Rates, Caps, and/or Participation
                  Rates that may actually apply to a Contract. The examples do not predict or project the actual performance of the Index Advantage+ Income
®
. Although an Index or Indexes will affect your Index Option
                  Values, the Index Options do not directly participate in any stock or equity investment and are not a direct investment in an Index. The Index Values do not include the dividends paid on the stocks comprising an Index. An allocation to an Index Option is not a purchase of shares of any stock or index fund. These examples do not reflect any withdrawals taken before the Term End Date (including any
                  financial adviser fees that you choose to have us pay from this Contract), or deductions we make for Contract fees and expenses.
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Determining Index Option Values
We calculate an Index Option Value for each Index Option at the end of each Business Day. Generally, the Index Option Value is equal to the Index Option Base plus any applicable Daily Adjustment. The Daily Adjustment applies on Business Days other than the Term Start Date or the Term End Date. The Daily Adjustment can be positive or negative and is discussed later
                  in this section.
On the first Term Start Date, both the Index Option Value and the Index Option Base for each of your selected Index Options are initially equal to the amount of:
•
any Purchase Payment received that day which you allocated to that Index
                    Option, and
•
any Contract Value transferred into that Index Option.
At the end of each subsequent Business Day for each selected Index Option, we first either apply:
•
the Daily Adjustment if this is not the Term End Date, or
•
a Performance Credit if this is the Term End Date.
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We calculate Performance Credits as described under "Calculating Performance Credits" in this section and apply them as follows:
•
We multiply each Index Option Base by its Performance Credit and add this
                    amount to its Index Option Base.
•
Then we set each Index Option Value equal to its new Index Option Base.
Lastly, we increase and/or decrease each Index Option Base and Index Option Value for additional Purchase Payments, transfers, partial withdrawals you take (including financial adviser fees that you choose to have us pay from this Contract and any withdrawal charge), and deductions we make for Contract fees and expenses.
•
Additional Purchase Payments received on the Term End Date and allocated to
                    this Index Option, and transfers of Variable Account Value or Index Option Value into this Index Option, increase these values by the dollar amount allocated or transferred.
•
Transfers out of this Index Option reduce these values by the dollar amount
                    removed from the Index Option.
•
Partial withdrawals you take (including financial adviser fees that you
                    choose to have us pay from this Contract and any withdrawal charge), and deductions we make for Contract fees and expenses reduce these values by the dollar
                    amount withdrawn from the Index Option.
−
We deduct partial withdrawals you take (including financial adviser fees
                    that you choose to have us pay from this Contract and any withdrawal charge), and deductions we make for Contract fees and expenses from the Index Options proportionately based on the percentage of Contract Value in each Index Option using values determined at the end of the Business Day before we process the withdrawal or deduct the Contract expense.
−
We then reduce each Index Option Base by the same percentage that the amount
                    withdrawn reduced its associated Index Option Value.
Example
•
Your Contract Value is $100,000 and you selected two Index Options. The first
                    Index Option has an Index Option Value of $75,000 and an Index Option Base of $72,000. The second Index Option has an Index Option Value of $25,000 and an Index Option Base of $22,000. You take a $10,000 partial withdrawal (including any withdrawal charge).
•
This partial withdrawal reduces your Index Option Value by the percentage of
                    Contract Value in each Index Option (Index Option Value ÷ Contract Value).
−
For the first Index Option this percentage is 75% ($75,000 ÷ $100,000) and
                    the $10,000 partial withdrawal reduces this value by $7,500 ($10,000 x 75%). For the second Index Option this percentage is 25% ($25,000 ÷ $100,000) and the $10,000 partial withdrawal reduces this value by $2,500 ($10,000 x 25%).
•
We then reduce each Index Option Base by the same percentage that the amount
                    withdrawn reduced its associated Index Option Value (amount withdrawn from Index Option Value ÷ Index Option Value).
−
For the first Index Option this percentage is 10% ($7,500 ÷ $75,000) and the
                    $10,000 partial withdrawal reduces this value by $7,200 ($72,000 x 10%). For the second Index Option this percentage is also 10% ($2,500 ÷ $25,000) and the $10,000 partial withdrawal reduces this value by $2,200 ($22,000 x 10%).
•
Deductions we make for Contract fees and expenses also reduce these values
                    proportionately in the same way as a partial withdrawal.
First Index Option
Second Index Option
Index Option Value
Index Option Base
Index Option Value
Index Option Base
Prior to partial withdrawal
$ 75,000
$ 72,000
$ 25,000
$ 22,000
$10,000 partial withdrawal
– $7,500
– $7,200
– $2,500
– $2,200
After partial withdrawal
$ 67,500
$ 64,800
$ 22,500
$ 19,800
•
Amounts removed from the Index Options during the Term for partial withdrawals you take (including any
financial adviser fees that you choose to
                            have us pay from this Contract) and deductions we make for Contract
fees and expenses do not receive a
                            Performance Credit on the Term End Date
. However, the remaining amount
in the Index Options is eligible for a Performance Credit on
                            the Term End Date.
•
You cannot specify from which Index Option or the Variable Option we deduct Contract fees and expenses; we
deduct Contract fees and expenses from each Index Option and
                            the Variable Option proportionately based on its
percentage of Contract Value.
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Calculating Performance Credits
We base Performance Credits on Index Values and Index Returns. We measure Index Values on the Term Start Date and Term End Date using the Index's price at the end of the Business Day as provided by Bloomberg or another market source if Bloomberg is not available. If the Term Start Date or Term End Date is a non-Business Day we use the next Business Day's Index
                  price. If you select the EURO STOXX 50
®
, we
                  determine Index Returns without any exchange rate adjustment.
Because we calculate Index Returns only on Term End Dates, the Index Return does not necessarily reflect the highest or lowest Index Values that occurred during the Term.
Crediting Method
and Term Length
If Index Value is less than it was on
                            the
Term Start Date
(i.e., Index Return is negative):
If Index Value is equal to or greater
                            than it was
on the Term Start Date
(i.e., Index Return is zero or positive):
Index Protection
Strategy with Trigger
1-year Term
Performance Credit is zero.
Performance Credit is equal to the Trigger Rate set
on the Term Start Date.
Index Protection
Strategy with Cap
1-year Term
Performance Credit is zero.
Performance Credit is equal to the Index Return up
to the Cap set on the Term Start Date.
Assume the Cap is 5%. If the Index Return is…
• 0%, the Performance Credit is zero.
• 4%, the Performance Credit is 4%.
• 12%, the Performance Credit is 5%.
Index Dual Precision
Strategy 1-year Term
• For Contracts issued
from May 1, 2023, to
November 13, 2023, the
Index Dual Precision
Strategy is not available.
• For Contracts issued
from November 14, 2023,
to April 30, 2024, only
the 10% Buffer is
available.
• For Contracts issued
since May 1, 2024, the
10%, 20%, and 30%
Buffers are available.
Performance Credit is equal to the Trigger Rate if the
negative Index Return is less than or equal to the
10%, 20%, or 30% Buffer. However, if the negative
Index Return is greater than the 10%, 20%, or 30%
Buffer you receive a Performance Credit equal to the
negative Index Return in excess of the applicable
Buffer.
Assume you select a 1-year Term Index Option with
10% Buffer. If the Index Return for the year is…
• -8%, the Performance Credit is equal to the Trigger
Rate set on the Term Start Date.
• -12%, the Performance Credit is -2%.
Instead assume you
                            select a 1-year Term Index
Option with 20% Buffer
, and the Index Return for
the Term is…
• -19%, the Performance Credit is equal to the
Trigger Rate set on the Term Start Date.
• -24%, the Performance Credit is -4%.
Instead assume you
                            select a 1-year Term Index
Option with 30% Buffer
, and the Index Return for
the Term is…
• -29%, the Performance Credit is equal to the
Trigger Rate set on the Term Start Date.
• -36%, the Performance Credit is -6%.
Performance Credit is equal to the Trigger Rate set
on the Term Start Date.
Index Precision
Strategy 1-year Term
Performance Credit is equal to the negative Index
Return in excess of the 10% Buffer.
If the Index Return is…
• -8%, the Performance Credit is zero.
• -12%, the Performance Credit is -2%.
Performance Credit is equal to the Trigger Rate set
on the Term Start Date.
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Crediting Method
and Term Length
If Index Value is less than it was on
                            the
Term Start Date
(i.e., Index Return is negative):
If Index Value is equal to or greater
                            than it was
on the Term Start Date
(i.e., Index Return is zero or positive):
Index Guard Strategy
1-year Term
Performance Credit is equal to the negative Index
Return subject to the -10% Floor.
If the Index Return is…
• -8%, the Performance Credit is -8%.
• -12%, the Performance Credit is -10%.
Performance Credit is equal to the Index Return up
to the Cap set on the Term Start Date.
Assume the Cap is 8%. If the Index Return is…
• 0%, the Performance Credit is zero.
• 6%, the Performance Credit is 6%.
• 12%, the Performance Credit is 8%.
Index Performance
Strategy 1-year Term
• For Contracts issued
from May 1, 2023, to
November 13, 2023, only
the 10% Buffer is
available.
• For Contracts issued
since November 14,
2023, the 10%, 20%, and
30% Buffers are
available.
Performance Credit is equal to the negative Index
Return in excess of the 10%, 20%, or 30% Buffer.
Assume you select a 1-year Term Index Option with
10% Buffer. If the Index Return for the year is…
• -8%, the Performance Credit is zero.
• -12%, the Performance Credit is -2%.
Instead assume you
                            select a 1-year Term Index
Option with 20% Buffer
, and the Index Return for
the Term is…
• -19%, the Performance Credit is 0%.
• -24%, the Performance Credit is -4%.
Instead assume you
                            select a 1-year Term Index
Option with 30% Buffer
, and the Index Return for
the Term is…
• -29%, the Performance Credit is 0%.
• -36%, the Performance Credit is -6%.
Performance Credit is equal to the Index Return up
to any Cap set on the Term Start Date.
Assume the Cap for the 1-year Term is 8%. If the
Index Return for the year is…
• 0%, the Performance Credit is zero.
• 6%, the Performance Credit is 6%.
• 12%, the Performance Credit is 8%.
If instead the
1-year Term is uncapped,
                            the Performance
Credit is 12%
.
Index Performance
Strategy 3-year Term
Performance Credit is equal to the negative Index
Return in excess of the 10% or 20% Buffer.
Assume you select a 3-year Term Index Option with
10% Buffer. If the Index Return for the Term is…
• -19%, the Performance Credit is -9%.
• -24%, the Performance Credit is -14%.
Instead assume you
                            select a 3-year Term Index
Option with 20% Buffer
, and the Index Return for
the Term is…
• -19%, the Performance Credit is 0%.
• -24%, the Performance Credit is -4%.
Performance Credit is equal to the Index Return
multiplied by the Participation Rate, up to any Cap
set on the Term Start Date.
Assume the Participation Rate is 100% and the Cap
is 80%. If the Index Return for the Term is…
• 0%, the Performance Credit is zero.
• 65%, the Performance Credit is 65%.
• 90%, the Performance Credit is 80%.
If instead the
                            Participation Rate is 110% and the
3-year Term is uncapped
, and the Index Return for
the Term is…
• 0%, the Performance Credit is zero.
• 65%, the Performance Credit is 71.5%.
• 90%, the Performance Credit is 99%.
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Crediting Method
and Term Length
If Index Value is less than it was on
                            the
Term Start Date
(i.e., Index Return is negative):
If Index Value is equal to or greater
                            than it was
on the Term Start Date
(i.e., Index Return is zero or positive):
Index Performance
Strategy 6-year Term
• For Contracts issued
from May 1, 2023, to
November 13, 2023, only
the 10% Buffer is
available.
• For Contracts issued
since November 14,
2023, the 10% and 20%
Buffers are available.
Performance Credit is equal to the negative Index
Return in excess of the 10% or 20% Buffer.
If the Index Return for the Term is…
• -19%, the Performance Credit is -9%.
• -24%, the Performance Credit is -14%.
Instead assume you
                            select a 6-year Term Index
Option with 20% Buffer
, and the Index Return for
the Term is…
• -19%, the Performance Credit is 0%.
• -24%, the Performance Credit is -4%.
Performance Credit is equal to the Index Return
multiplied by the Participation Rate, up to any Cap
set on the Term Start Date.
Assume the Participation Rate is 100% and the Cap
is 85%. If the Index Return for the Term is…
• 0%, the Performance Credit is zero.
• 65%, the Performance Credit is 65%.
• 90%, the Performance Credit is 85%.
If instead the
                            Participation Rate is 110% and the
6-year Term is uncapped
, and the Index Return for
the Term is…
• 0%, the Performance Credit is zero.
• 65%, the Performance Credit is 71.5%.
• 90%, the Performance Credit is 99%.
Daily Adjustment
The Daily Adjustment is how we calculate Index Option Values on Business Days other than the Term Start Date or Term End Date.
The Variable Option is not subject to the Daily
                  Adjustment.
The Daily Adjustment can affect the amounts available for withdrawal, Performance Locks, annuitization, payment of the death benefit, and the Contract Value used to determine the Income Payments, RMD payments, Charge Base, and contract maintenance charge. The Daily Adjustment can be positive or negative. When the Daily Adjustment is positive, your Index Option
                  Value has increased since the Term Start Date. When it is negative, your Index Option Value has decreased (excluding the effect of the deduction of Contract
                  expenses or any partial withdrawal). The Daily Adjustment for the Index Protection Strategy with Trigger and Index Protection Strategy with Cap cannot be
                  negative.
We calculate the Daily Adjustment for a given Business Day before we deduct any Contract fees or expenses or process any partial withdrawal on that Business Day, including Penalty-Free Withdrawals, and any financial adviser fees that you choose to have us pay from this Contract. The Daily Adjustment does not change the Contract fee or expense deducted, or the withdrawal amount; it only changes the Index Option Value from which we deduct the Contract fee or expense, or withdrawal.
The Daily Adjustment approximates the Index Option Value that will be available on the Term End Date. It is the estimated present value of the future Performance Credit that we will apply on the Term End Date. The Daily Adjustment takes into account:
(i)
any Index gains during the Term subject to the applicable Trigger Rate,
                    Cap, and/or Participation Rate,
(ii)
for the Index Dual Precision Strategy, any Index losses less than or equal to
                    the 10%, 20%, or 30% Buffer,
(iii)
either any Index losses greater than the 10%, 20%, or 30% Buffer, or Index
                    losses down to the -10% Floor (not applicable to the Index Protection Strategy with Trigger or Index Protection Strategy with Cap), and
(iv)
the number of days until the Term End Date.
The Daily Adjustment does this by using the hypothetical value of a Proxy Investment
(Proxy Value)
each Business Day, other
                  than the Term Start Date or Term End Date, based on the formulas described in Appendix B. The
Proxy Investment
provides a current estimated present value of what the Performance Credit
                  will be on the Term End Date taking into account the applicable Buffer, Floor, Trigger Rate, Cap, and/or Participation Rate. The Daily Adjustment is not the
                  actual Index return on the day of the calculation, and the estimated present value Performance Credit is not guaranteed. Therefore, the Daily Adjustment could result in a loss beyond the protection of the Buffer or Floor.
In extreme circumstances, the Daily Adjustment could result in a loss beyond the protection of the
                  10%, 20%, or 30% Buffer; or -10% Floor. The maximum potential loss from a negative Daily Adjustment is: -99% for the Index Dual Precision Strategy, Index Precision Strategy, and Index Performance Strategy; and -35% for the Index Guard Strategy.
Such losses will be greater
                  if the amount withdrawn (including any financial adviser fees that you choose to have us pay from this Contract) is also
                  subject to a withdrawal charge, or is a deduction of Contract fees and expenses.
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A withdrawal taken during the Term may not receive the full benefit of the Buffer or Floor because the Daily Adjustment takes into account what may potentially happen between the withdrawal date and the Term End Date. All other factors being equal, even if the current Index return during the Term is greater than the Cap, or the Trigger Rate for the Index Dual Precision
                Strategy or Index Precision Strategy, the Daily Adjustment will usually be lower than the Cap or Trigger Rate. For the Index Protection Strategy with Trigger
                and Index Precision Strategy, even if the current Index return during the Term is greater than or equal to zero, the Daily Adjustment will usually be lower than
                the Trigger Rate. For the Index Dual Precision Strategy, even if the Index return is greater than the applicable Buffer, the Daily Adjustment will usually be lower than the Trigger Rate. This is because there is a possibility that the Index return could decrease before the Term End Date. Similarly, even though a negative Index return may be within the 10%, 20%, or 30% Buffer for the Index Dual Precision Strategy, Index Precision Strategy, and Index Performance Strategy, you still may receive a negative Daily Adjustment
                because there is a possibility that the Index Return could decrease before the Term End Date. The Daily Adjustment for Index Options with a Term length of more
                than 1 year may be more negatively impacted by changes in the expected volatility of Index prices than 1-year Term Index Options due to the difference in Term
                length. Also, the risk of a negative Daily Adjustment is greater for Index Options with a Term length of more than 1 year than for 1-year Term Index Options due to the Term length. 3-year and 6-year Term Index Options with a Participation Rate above 100% may also have larger fluctuations in the Daily Adjustment than Index Options either without a Participation Rate, or with a Participation Rate
                equal to 100%. Finally, a negative Index return for the Index Guard Strategy may result in you receiving a Daily Adjustment lower than the -10% Floor, because
                the Daily Adjustment reflects the present value of the Floor and you will not receive the full benefit of the -10% Floor until the Term End Date.
A negative Daily Adjustment may cause you to realize loss of principal and previous earnings.
The Daily Adjustment's risks (including the impact on Contract Value used to determine Income Payments and Contract fees and charges) are discussed in more detail in Risk Factors – Risk of Negative Returns. The specific details of the Daily Adjustment formula are described in Appendix B and in Exhibit 99 of the Form S-1 Registration Statement filed with the SEC, of which this prospectus is a part. This information is incorporated by reference into this prospectus. You can obtain a copy
                  of Exhibit 99 by calling (800) 624-0197, or visiting our website at www.allianzlife.com.
Performance Locks and Early Reallocations
We must receive a Performance Lock request in Good Order before the end of the current Business Day to lock an Index Option on that day. Otherwise, the Lock Date will occur on the next Business Day that your request is in Good Order. We do not allow Performance Locks to occur on Term End Dates. For requests submitted in writing, we do not consider the request to be
                  received until it arrives at our Service Center. You can continue to request Performance Locks while you are receiving Income Payments. For the Increasing
                  Income payment option, you can continue to request Performance Locks even after your Contract Value reduces to zero as long as your Income Payments continue,
                  or are converted to Annuity Payments.
You (or your Financial Professional, if authorized) can request a Performance Lock based on targets you set. You can set upper and/or lower targets for each Index Option each Term.
Setting a target close to the current Index Option Value return (or close to the Daily Adjustment once Contract Value is
                  reduced to zero) may cause a Performance Lock to occur very quickly.
You can change or cancel targets at any time before we execute a Performance Lock. Each Index Option's targets automatically expire on
                  the earlier of the Lock Date, or the last Business Day before the Term End Date.
By setting targets you are authorizing us to automatically execute a Performance Lock at the end of the Business Day on the Lock Date upon which the target is reached.
A Performance Lock can be executed once each Term for each Index Option. We will not execute your request for a Performance Lock on the Index Protection Strategy with Trigger or Index Protection Strategy with Cap Index Options if the Daily Adjustment on the applicable date is zero. A Performance Lock applies to the total Index Option Value in an Index Option,
                  and not just a portion of that Index Option Value. We use the Daily Adjustment calculated at the end of the current Business Day on the Lock Date to determine
                  your locked Index Option Value. This "locked" Index Option Value may be more or less than the "unlocked" Index Option Value that is available for your review
                  on the Lock Date because the unlocked Index Option Value was determined at the end of the
prior
Business Day. After the Lock Date, the Index Option Value stays in the locked Index Option for the remainder of the Index Year unless you execute an Early Reallocation (if
                  available to you). If you decide to execute an Early Reallocation, you can execute a Performance Lock and then, at the earliest, execute an Early Reallocation
                  on the same Business Day. When executing both the Performance Lock and Early Reallocation on the same Business Day, your Lock Date is also the Term Start Date
                  for the new Index Option. Daily Adjustments do not apply to a locked Index Option for the remainder of the Term and the locked Index Option Value will not receive a Performance Credit on the Term End Date. For example, assume you selected one Index Option and your
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Index Option Value available for review in your account today is $20,326. If before the end of the Business Day you request a Performance Lock, today is your Lock Date. If your Index Option Value at the end of the Business Day is $20,250, you will lock in this $20,250 and it will not change until the next Index Anniversary if you do not execute an Early
                Reallocation. However, if you take a partial withdrawal (including financial adviser fees that you choose to have us pay from this Contract) or when we deduct a
                Contract fee or expense, we deduct these amounts proportionately from the Index Option Values, which will decrease any locked Index Option Value. On the next
                Index Anniversary that occurs on or immediately after the Lock Date, all locked Index Options will be unlocked, we will transfer the locked Index Option Value according to your instructions, and Daily Adjustments will again apply for the new Term. If you do not provide us with transfer instructions, the Index Option Value will remain in the same Index Option with a new Term Start Date subject to the
                renewal Trigger Rate, Cap, or Participation Rate for the new Term.
You can also transfer assets out of a locked Index Option by requesting an Early Reallocation. We do not accept Early Reallocation requests within 14 calendar days before an Index Anniversary and you are limited to two Early Reallocation requests each Index Year. However, each request can involve multiple locked Index Options. You can execute a Performance Lock and
                  Early Reallocation on the same Business Day. After your second Early Reallocation request in an Index Year, any locked Index Options will remain locked until
                  the next Index Anniversary. These limitations mean you may not be able to take advantage of any increases to Early Reallocation rates, or any advantageous
                  changes to Index values when they become available. In all cases, executing an Early Reallocation will result in the remainder of the Index Year from the date you execute the Early Reallocation being added to your new Term length. For example, assume you are allocated to a 1-year Term Index Option. Eight months into the Term, you elect to execute a Performance Lock, and at the end of the
                  tenth month you execute an Early Reallocation and choose a new 1-Year Term Index Option. The remaining two months of the Index Year will be added to the new
                  1-year Term for your newly selected Index Option, making the new Term length 14 months.
A Performance Lock can help eliminate doubt about future Index performance and possibly limit the impact of a negative Performance Credit you would otherwise receive on an Index Dual Precision Strategy, Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy Index Option. Because we transfer assets out of a locked Index Option on the Index
                  Anniversary that occurs on or immediately after the Lock Date, executing a Performance Lock can also allow you to transfer assets out of a 3-year or 6-year
                  Term Index Option before the Term End Date if you execute the lock on or before the second Index Anniversary of a 3-year Term, or on or before the fifth Index
                  Anniversary of a 6-year Term. If the Index Anniversary occurs on a non-Business Day, the Performance Lock must be executed before the end of the
prior
Business Day in order to transfer assets out of a 3-year or 6-year Term Index Option before the Term End Date. Executing an Early Reallocation on a locked Index Option can also allow you to transfer assets out of an Index Option before the Term End Date. The disadvantage of executing a Performance Lock is that the relevant Index Value could increase by the Term End
                  Date, and you will not participate in that increase. In addition, if you execute a Performance Lock on an Index Dual Precision Strategy, Index Precision
                  Strategy, Index Guard Strategy, or Index Performance Strategy Index Option, you may receive less than the full protection of the Buffer or Floor that you
                  would have received if you waited for us to apply the Performance Credit on the Term End Date.
Early Reallocation Example.
Assume your Index
                  Anniversary occurs on January 1st, and by June 15th you have locked four Index Options. You could submit an Early Reallocation request on July 17th for one
                  Index Option, and a second request on August 14th for two more Index Options. However, after August 14th we will not accept any additional Reallocation Request for the remainder of the Index Year, so your one remaining locked Index Option will stay locked until the next Index Anniversary. Although you are unable to execute an Early Reallocation for the remainder of the Index Year, you
                  can continue to execute Performance Locks on any unlocked Index Options.
We will not provide
                            advice or notify you regarding whether you should execute a Performance Lock or Early
Reallocation or the
                            optimal time for doing so. We will not warn you if you execute a Performance Lock or Early
Reallocation at a
                            sub-optimal time. We are not responsible for any losses related to your decision whether or not to
execute a Performance
                            Lock or Early Reallocation.
5.
Information Related to the Variable Option's Underlying Fund
Information regarding the AZL Government Money Market Fund, including its (i) investment objective, (ii) investment adviser and subadviser, (iii) current expenses, and (iv) performance is available in Appendix G – Fund Available Under the Contract. The Fund has issued a prospectus that contains more detailed information about the Fund. You should read the prospectus for the Fund carefully before investing. The Fund's prospectus and
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other information can be found online at
www.allianzlife.com/variableoptions
. You can also request this information at no cost by calling (800) 624-0197, by sending an email request to contact.us@allianzlife.com, or by contacting your Financial Professional. We send you
                the current copy of the Fund's prospectus when we issue the Contract.
There are potential risks associated with the Fund and its investment strategies. Depending on market conditions, you can gain or lose value by investing in the Variable Option. In the future, we may add, eliminate or substitute underlying funds to the extent permitted by the federal securities laws and, when required, the SEC.
Currently, the Fund is not a publicly available mutual fund. It is available only through variable annuity contracts or variable life insurance policies issued by life insurance companies or in some cases, through participation in certain qualified pension or retirement plans. A material conflict of interest may arise between insurance companies, owners of different
                  types of contracts, and retirement plans or their participants. The Fund's Board of Directors monitors for material conflicts, and determines what action, if
                  any, should be taken to address any conflicts.
The Fund's name, investment objectives and policies may be similar to the names, investment objectives and policies of other portfolios managed by the same investment advisers. Although the names, objectives and policies may be similar, the Fund's investment results may be higher or lower than these other portfolios' results. The investment advisers cannot guarantee, and make no representation, that these similar portfolios' investment results will be comparable even though the Fund
                  has the same name, investment advisers, objectives, and policies.
The Fund pays 12b-1 fees to the Contracts' distributor, our affiliate, Allianz Life Financial Services, LLC, for distribution and/or administrative services. In addition, we may enter into certain arrangements under which we, or Allianz Life Financial Services, LLC, are compensated by the Fund's advisers, distributors and/or affiliates for administrative services and
                  benefits we provide to the Fund. The compensation amount usually is based on the aggregate assets in the Fund attributable to contracts we issue or
                  administer. Some advisers may pay us more or less than others. The maximum service fee we currently receive from any underlying fund or affiliate thereof in
                  any variable annuity contract we offer is 0.25% annually.
Allianz Investment Management LLC, the Fund's investment adviser, is affiliated with us through common ownership.
Substitution and Limitation on Holdings
We may substitute another underlying fund for the Fund for any reason in our sole discretion. To the extent required by the Investment Company Act of 1940 or other applicable law, we do not substitute any shares without SEC approval (if required) and providing you notice. A new or substitute underlying fund may have different fees and expenses. We may limit the amount
                  of additional Purchase Payments that may be held in the Variable Option if marketing, tax, or investment considerations warrant, or for any reason in our sole
                  discretion. We may also close the Variable Option. However, we will always offer a variable investment option under the Contract. The Fund may discontinue
                  offering its shares in the future.
Excessive Trading and Market Timing
Currently the Contract does not offer any variable
                            investment options to which you can allocate money. As such, and
given the design of the Contract, we do not believe there to
                            be a risk of excessive trading and market timing. However, if
we were to offer multiple variable investment options in the
                            future, they would be subject to the following provisions.
We discourage and do not accommodate frequent transfers. We may restrict or modify your right to make transfers to prevent any use that we consider to be part of a market timing program.
Frequent transfers, programmed transfers, transfers into and then out of a variable investment option in a short period of time, and transfers of large amounts at one time (collectively referred to as "potentially disruptive trading") may have harmful effects for other Owners, Annuitants and Beneficiaries. These risks and harmful effects include the following.
•
Dilution of the interests of long-term investors in a variable investment
                    option, if market timers or others transfer into a variable investment option at prices that are below their true value, or transfer out at prices above
                    their true value.
•
An adverse effect on portfolio management, such as causing an underlying fund
                    to maintain a higher level of cash or causing an underlying fund to liquidate investments prematurely.
•
Increased brokerage and administrative expenses for an underlying fund.
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We attempt to protect our Owners against potentially disruptive trading through our Excessive Trading and Market Timing policies and procedures. Under these policies and procedures, we may modify your transfer privileges for some or all of the variable investment options as follows:
•
Limit transfer frequency (for example, prohibit more than one transfer a
                    week, or more than two a month, etc.).
•
Restrict the transfer method (for example, requiring all transfers be sent by
                    first-class U.S. mail and rescinding electronic transfer privileges).
•
Require a minimum time period between each transfer into or out of the same
                    variable investment option. Our current Excessive Trading and Market Timing policy, which is subject to change without notice, prohibits "round trips"
                    within 14 calendar days. We do not include transfers into and/or out of the Variable Option when available in your Contract or any automatic transfers made under any of our programs or Contract features. Round trips are transfers into and back out of the same variable investment option, or transfers out of and back into the same variable investment option.
•
Refuse transfer requests made on your behalf by an asset allocation and/or
                    market timing service.
•
Limit the dollar amount of any single Purchase Payment or transfer request to
                    a variable investment option.
•
Prohibit transfers into specific variable investment options.
•
Impose other limitations or restrictions to the extent permitted by federal
                    securities laws.
We also reserve the right to reject any specific Purchase Payment allocation or transfer request from any person if in the investment adviser's, subadviser's or our judgment, an underlying fund may be unable to invest effectively in accordance with its investment objectives and policies. This could occur, for example, where frequent or rapid trading causes the investment adviser to hold an excess of uninvested cash to meet redemption requests, or to sell investment positions to fund
                  redemptions, thereby affecting underlying fund returns. Similarly, rapid or frequent trading may cause an underlying fund to incur excessive transaction fees,
                  which also could affect performance.
We retain some discretion in determining what actions constitute potentially disruptive trading and in determining when and how to impose trading restrictions. Currently, we attempt to
deter
disruptive trading as follows. If a transfer(s) is/are identified as potentially disruptive
                  trading, we may (but are not required to) send a warning letter. If the conduct continues and we determine it constitutes disruptive trading, we also impose
                  transfer restrictions. Transfer restrictions may include refusing electronic transfers and requiring all transfers be sent by first-class U.S. mail. If the
                  disruptive trading affects only a single variable investment option, we may prohibit transfers into or Purchase Payment allocations to that variable investment option. We do not enter into agreements permitting market timing and would not permit activities determined to be disruptive trading to continue. We also reserve the right to impose transfer restrictions if we determine, in our sole discretion,
                  that transfers disadvantage other Owners. We notify you in writing if we impose transfer restrictions on you.
We adopted these policies and procedures as a preventative measure to protect all Owners from the potential effects of disruptive trading, while also abiding by your legitimate interest in diversifying your investment and making periodic asset re-allocations based on your personal situation or overall market conditions. We attempt to protect your interests in making legitimate transfers by providing reasonable and convenient transfer methods that do not harm other Owners.
We may make exceptions when imposing transfer restrictions if we determine a transfer is appropriate, although it may technically violate our policies and procedures discussed here. In determining if a transfer is appropriate, we may, but are not required to, take into consideration its relative size, whether it was purely a defensive transfer into the Variable Option, and whether it involved an error or similar event. We may also reinstate electronic transfer privileges after we revoke them, but we do not reinstate these privileges if we believe they might be used for future disruptive trading.
We cannot guarantee the following.
•
Our monitoring will be 100% successful in detecting all potentially
                    disruptive trading activity.
•
Revoking electronic transfer privileges will successfully deter all
                    potentially disruptive trading.
In addition, some of the underlying funds are available to other insurance companies and we do not know if they adopted policies and procedures to detect and deter potentially disruptive trading, or what their policies and procedures might be. Because we may not be completely successful at detecting and preventing market timing activities, and other insurance companies that offer the underlying funds may not have adopted adequate market timing procedures, there is some risk that market
                  timing activity may occur and negatively affect other Owners.
We may, without prior notice to any party, take whatever action we deem appropriate to comply with any state or federal regulatory requirement. In addition, purchase orders for an underlying fund's shares are subject to acceptance by that underlying fund's manager. We reserve the right to reject, without prior notice, any variable investment option transfer request or
                  Purchase Payment if the purchase order is rejected by the investment manager. We have entered into agreements
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required under SEC Rule 22c-2 (Rule 22c-2 agreements) whereby, upon request by an underlying fund or its designee, we must provide information about you and your trading activities to the underlying fund or its designee. Under the terms of the Rule 22c-2 agreements, we are required to: (1) provide details concerning every purchase, redemption, transfer, or exchange of
                variable investment options during a specified period; and (2) restrict your trading activity if the party receiving the information so requests. Under certain
                Rule 22c-2 agreements, if we fail to comply with a request to restrict trading activity, the underlying fund or its designee may refuse to accept buy orders
                from us until we comply.
Underlying funds may add or change policies designed to restrict market timing activities. For example, underlying funds may impose restrictions on transfers between underlying funds in an affiliated group if the investment adviser to one or more of the underlying funds determines that the person requesting the transfer has engaged, or is engaging in, market timing or other abusive trading activities. In addition, an underlying fund may impose a short-term trading fee on purchases and
                  sales within a specified period. You should review the underlying funds' prospectuses regarding any applicable transfer restrictions and the imposition of any
                  fee to discourage short-term trading. The imposition of these restrictions would occur as a result of underlying fund restrictions and actions taken by the
                  underlying funds' managers.
This Contract is not designed for professional market timing
                            organizations, or other persons using programmed, large, or
frequent transfers, and we may restrict excessive or
                            inappropriate transfer activity.
The retention of some level of discretion by us may result in disparate treatment among persons engaging in potentially disruptive trading, and it is possible that some persons could experience adverse consequences if others are able to engage in potentially disruptive trading practices that have negative effects.
Voting Privileges
We legally own the Fund shares held in the Separate Account. However, when the Fund holds a shareholder vote that affects your investment, we ask you to give us voting instructions. We then vote all of our shares, including any we own on our behalf, in proportion to those instructions. Because most Owners do not give us instructions and we vote shares proportionally, a small number of Owners may determine a vote's outcome. If we determine we no longer need to get your voting
                  instructions, we will decide how to vote the shares. Only Owners have voting privileges. Annuitants, Beneficiaries, Payees and other persons have no voting
                  privileges unless they are also Owners. We determine your voting interest based on the dollar value of the Fund shares attributable to your Contract. We
                  calculate this based on the number and value of accumulation units for your Contract on the record date. We count fractional units. You will receive proxy
                  materials and a voting instruction form.
6.
Expenses
Contract fees and expenses reduce your investment return and are described here in detail. We set the Contract fees and expenses on the Issue Date and they cannot change.
Base Contract Expenses (Product and Rider Fees)
In your Contract, the base contract expense is referred to as the "product fee and rider fee". The product fee compensates us for providing all your Contract's benefits, including our contractual obligation to make Annuity Payments and certain Contract and distribution expenses. The product fee also compensates us for assuming the expense risk that the current fee is less than future Contract administration costs as well as the cost of providing certain features under the Contract. The rider fee compensates us for the benefits provided by the Income Benefit, including the benefit's guarantees. If the product and rider fees cover these costs and risks, any excess is profit to us. We anticipate making such a profit.
Base Contract Expenses
(as a percentage of the Charge Base)
Product Fee
(1)
1.25%
Rider Fee for the Income Benefit
0.70%
Total Base Contract Expenses
1.95%
(1)
Upon the death of the Owner, we continue to assess this product fee under
                    death benefit payment Option B, and with optional payments under death benefit payment Option C, as noted in section 11, Death Benefit.
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The product and rider fees are annualized rates that we calculate and accrue on a daily basis as a percentage of the Charge
              Base and deduct quarterly during the Accumulation Phase as follows.
Issue Date
Non-Quarterly Contract Anniversaries
Quarterly Contract Anniversaries*
• The Charge Base is
equal to your initial
Purchase Payment.
• We begin calculating
and accruing the
daily product and
rider fees,
on the
day after the Issue
Date.
• First we calculate and accrue the daily product
and rider fees, using the Charge Base. If this is a
non-Business Day we use the Charge Base from
the end of the prior Business Day.
• Then if this is a Business Day we
increase/decrease the Charge Base as follows.
–
If we receive an additional Purchase
Payment, we increase the Charge Base by
the dollar amount we receive.
–
If you take a partial withdrawal (including any
financial adviser fees that you choose to have
us pay from this Contract), or we deduct
Contract fees and expenses other than the
withdrawal charge, we decrease the Charge
Base by the percentage of Contract Value
withdrawn (including any withdrawal charge).
All withdrawals you take reduce the Charge
Base, even Penalty-Free Withdrawals.
• First we process all daily transactions and
determine your Contract Value. Daily
transactions include any gains/losses due to AZL
Government Money Market Fund performance or
application of any Daily Adjustment (or
Performance Credit if this is also the Term End
Date), any additional Purchase Payment, any
partial withdrawals you take (including financial
adviser fees that you choose to have us pay from
this Contract and any withdrawal charge), and
deductions we make for other Contract fees and
expenses
(including deduction of the accrued
daily product and rider
                            fees for the prior
quarter).
All partial withdrawals you take reduce
the Charge Base, even Penalty-Free
Withdrawals.
–
We deduct the accrued product and rider fees
for the prior quarter on a dollar for dollar basis
from the Contract Value, and proportionately
from each Index Option and the Variable
Option.
• Then we set the Charge Base equal to this
Contract Value and we calculate and accrue the
next quarter's
daily product and rider fees using
the newly set Charge Base.
*
Or the next Business Day if the Quarterly Contract
Anniversary is a non-Business Day.
Example:
Contract Value is $125,000; Charge
Base is $127,000; a $10,000 partial
withdrawal (including any withdrawal charge)
would decrease the Charge Base by $10,160.
[($10,000 ÷ $125,000) x $127,000]
Any increase/decrease to the Charge Base
will increase/decrease the daily product and
rider fees we calculate and accrue
on the
next day.
Examples of how we
                            calculate the product and rider fees are included in Appendix C.
We do not treat the deduction of the accrued product and
                            rider fees as a withdrawal when computing your Guaranteed
Death Benefit Value (see section 11).
Deduction of the final product and rider fees
•
If you take a full withdrawal we deduct the final accrued product and rider
                    fees before processing the withdrawal.
•
If you annuitize the Contract, we deduct the final accrued product and rider
                    fees before calculating Annuity Payments.
•
Upon the death of an Owner (or Annuitant if the Owner is a non-individual),
                    we deduct the final accrued product fee before calculating the death benefit if death benefit payment Option A or Annuity Payments under death benefit payment Option C is selected. If the Income Benefit ends due to death, we also deduct its final rider fee before calculating the death benefit. For more information on the death benefit payment options see section 11, Death Benefit.
If on a Quarterly Contract Anniversary (or the next Business
                            Day if the Quarterly Contract Anniversary is a
non-Business Day) the Contract Value is less than the
                            accrued product and rider fees, we deduct your total remaining
Contract Value to cover the accrued product and rider fees
                            and reduce your Contract Value to zero. If the deduction of
the accrued product and rider fees reduces your Contract
                            Value to zero and the Income Benefit and your selected death
benefit have ended, we treat this as a full withdrawal and
                            your Contract ends.
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Optional Benefit Additional Rider Fee
Maximum Anniversary Value Death Benefit
If you have the Maximum Anniversary Value Death Benefit, we deduct an additional 0.20% rider fee from your Contract Value. The rider fee is an annualized rate that we calculate and accrue on a daily basis as a percentage of the Charge Base and deduct quarterly during the Accumulation Phase while your benefit is in effect in the same manner as the Base Contract Expenses. We no longer assess the 0.20% additional rider fee once we receive either the first Valid Claim from any one
                  Beneficiary, or due proof of a Determining Life's death if you and the Determining Life are different individuals and the Determining Life predeceases you. We
                  deduct the final accrued additional rider fee before calculating the death benefit. If you take a full withdrawal or annuitize the Contract, we deduct the
                  final accrued rider fee before processing the withdrawal or calculating Annuity Payments. The additional rider fee compensates us for the risks we assume
                  under the Maximum Anniversary Value Death Benefit.
When calculating the Maximum Anniversary Value, we deduct
                            all Contract fees and expenses on the Index Anniversary
(including the accrued product and rider fees if this is
                            also a Quarterly Contract Anniversary) before we capture any
annual investment gains. However, we do not treat the
                            deduction of the accrued rider fee as a withdrawal when
calculating the Maximum Anniversary Value (see section 11).
Contract Maintenance Charge (Administrative Expenses)
Your annual contract maintenance charge is $50. This charge is for Contract administration and maintenance expenses. We waive this charge as follows:
•
During the Accumulation Phase (and Income Period, if applicable), if the
                    Contract Value is at least $100,000 on the Contract Anniversary.
•
During the Accumulation Phase (and Income Period, if applicable), if you take
                    a full withdrawal of the Cash Value and the Contract Value is at least $100,000 at the end of the last Business Day before the withdrawal.
•
During the Annuity Phase if the Contract Value on the last Business Day
                    before the Annuity Date is at least $100,000.
•
When paying death benefits.
During the Accumulation Phase, we deduct the contract maintenance charge:
•
on a dollar for dollar basis from the Contract Value on the Contract
                    Anniversary (or the next Business Day if the Contract Anniversary is a non-Business Day), and
•
we deduct it proportionately from each Index Option and the Variable Option.
If you take a full withdrawal from your Contract (other than on a Contract Anniversary) and do not qualify for the waiver of this charge, we deduct the full contract maintenance charge from the Cash Value. We do not treat the deduction of the contract maintenance charge as a withdrawal when computing your Guaranteed Death Benefit Value. During the Annuity Phase, we deduct the contract maintenance charge proportionately from each Annuity Payment (e.g., if you request semi-annual Annuity
                  Payments we deduct 50% of the contract maintenance charge from each Annuity Payment).
Withdrawal Charge
You can take withdrawals during the Accumulation Phase and Excess Withdrawals during the Income Period while your Contract Value is positive. A withdrawal charge applies if any part of a withdrawal or Excess Withdrawal comes from a Purchase Payment that is still within the withdrawal charge period. We assess the withdrawal charge against the Withdrawal Charge Basis, which is equal to total Purchase Payments, less any Purchase Payments withdrawn (excluding any Penalty-Free Withdrawals), and less any applicable withdrawal charge. We do not reduce the Withdrawal Charge Basis for any amounts
                  we deduct to pay other Contract fees and expenses. For withdrawals that are subject to a withdrawal charge, to pay your requested withdrawal amount, we deduct
more
than the amount you request and
                  apply a withdrawal charge to the Purchase Payments deducted. Please see #3 in the following example.
We do not assess a withdrawal charge on Penalty-Free Withdrawals or amounts we deduct to pay Contract expenses, other than the withdrawal charge.
Amounts withdrawn to pay
                  financial adviser fees are subject to a withdrawal charge if they exceed the free withdrawal privilege during the Accumulation Phase and before the Income
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Period, or if they are taken as an Excess Withdrawal during the Income Period, and will reduce the Contract Value and Guaranteed Death Benefit Value
(perhaps significantly and
                by more than the amount withdrawn
)
.
Calculating a Withdrawal Charge
Example
For purposes of calculating any withdrawal charge, we
                            withdraw
Purchase Payments on a "first-in-first-out" (FIFO) basis and
                            we
process withdrawal requests as follows.
You make an initial Purchase Payment of $55,000 and make
another Purchase Payment in the first month of the second
Contract Year of $45,000. In the third month of the third
Contract Year, your Contract Value is $110,000 and you
request a $70,000 withdrawal before the Income Period. We
withdraw money and compute the withdrawal charge as
follows.
1.
First, we withdraw from Purchase Payments that we have had
for six or more complete years, which is your Contract's
withdrawal charge period. This withdrawal is not subject to
                            a
withdrawal charge and it reduces the Withdrawal Charge Basis
dollar for dollar.
1
.
Purchase Payments beyond the withdrawal charge
period.
All payments are still within the withdrawal charge
period, so this does not apply.
2.
Amounts available as a Penalty-Free Withdrawal. This includes
partial withdrawals you take during the Accumulation Phase
under the free withdrawal privilege or waiver of withdrawal
charge benefit, RMD payments you take under our minimum
distribution program, and Income Payments. Penalty-Free
Withdrawals are not subject to a withdrawal charge, and they
do not reduce the Withdrawal Charge Basis.
2
.
Amounts available as a Penalty-Free Withdrawal.
You did
not take any other withdrawals this year, so the entire free
withdrawal privilege (10% of your total Purchase Payments,
or $10,000) is available to you without incurring a
                            withdrawal
charge.
3.
Next, on a FIFO basis, we withdraw from Purchase Payments
within your Contract's withdrawal charge period and assess a
withdrawal charge. Withdrawing payments on a FIFO basis
may help reduce the total withdrawal charge because the
charge declines over time. We determine your total
                            withdrawal
charge by multiplying each payment by its applicable
withdrawal charge percentage and then totaling the charges.
These withdrawals reduce the Withdrawal Charge Basis.
The withdrawal charge as a percentage of each Purchase
Payment withdrawn is as follows.
3
.
Purchase Payments within the withdrawal charge period
on a FIFO basis.
The total amount we withdraw from the
first Purchase Payment is $55,000, which is subject to a 7%
withdrawal charge, and you receive $51,150. We determine
this amount as follows:
(
amount withdrawn) x (1 – withdrawal charge) = the
amount you receive, or:
$55,000 x 0.93 = $51,150
The total amount we withdraw from the second Purchase
Payment is $9,620, which is subject to an 8% withdrawal
charge, and you receive $8,850. We determine this amount
as follows:
(
amount withdrawn) x (1 – withdrawal charge) = the
amount you receive, or:
$9,620 x 0.92 = $8,850
Number of
Complete Years
Since Purchase
Payment
Withdrawal Charge Amount
Contracts issued
on or before
April 30,2024
Contracts issued
on or after
May 1,2024
0
1
2
3
4
5
6 years or more
8.5%
8%
7%
6%
5%
4%
0%
8%
8%
7%
6%
5%
4%
0%
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Calculating a Withdrawal Charge
Example
4.
Finally, we withdraw any Contract earnings. This withdrawal is
not subject to a withdrawal charge and it does not reduce
                            the
Withdrawal Charge Basis.
4.
Contract earnings.
We already withdrew your requested
amount, so this does not apply.
In total we withdrew $74,620 from your
                            Contract, of
which you received $70,000 and paid a
                            withdrawal
charge of $4,620. We also reduced the 1st
                            Purchase
Payment from $55,000 to $0, and your 2nd
                            Purchase
Payment from $45,000 to $35,380 ($45,000
                            – $9,620).
Please note that this
                            example may differ from your
actual results due to
                            rounding.
Upon a full withdrawal, we first deduct any  final product and rider fees, and contract maintenance charge from your Contract Value before we calculate the withdrawal charge. We then deduct any applicable withdrawal charge from the total remaining Contract Value and send you the remaining amount. For a partial withdrawal, we pay you the amount you requested and deduct this amount and any withdrawal charge from the total Contract Value. We deduct any partial withdrawal (including
                  any withdrawal charge) proportionately from each Index Option and the Variable Option. If a partial withdrawal occurs on a day that we also deduct the product
                  fee, rider fee, and/or contract maintenance charge, we deduct these fees and expenses before we calculate and deduct the partial withdrawal and any withdrawal
                  charge from the Contract Value.
The withdrawal charge compensates us for expenses associated with selling the Contract.
Reduction or Elimination of the Withdrawal Charge
We may reduce or eliminate the withdrawal charge when the Contract is sold under circumstances that reduce its sales expenses. We will implement this withdrawal charge reduction or elimination in a nondiscriminatory manner. For example, if a large group of individuals purchases Contracts or if a prospective purchaser already has a relationship with us. We may choose
                  not to deduct a withdrawal charge under a Contract issued to an officer, director, or employee of Allianz Life or any of its affiliates. Also, we may reduce
                  or eliminate the withdrawal charge when a Contract is sold by a Financial Professional appointed with Allianz Life to any members of his or her immediate
                  family and the Financial Professional waives their commission. We must pre-approve any withdrawal charge reduction or elimination.
•
Upon a full withdrawal, the free withdrawal privilege is not available to you, and we apply a withdrawal charge
against Purchase Payments that are still within the
                            withdrawal charge period, including amounts previously
withdrawn under the free withdrawal privilege.
On a full withdrawal, your Withdrawal Charge Basis may be
greater than your Contract Value because the
                            following reduce your Contract Value, but do not reduce your
Withdrawal Charge Basis:
–
prior Penalty-Free Withdrawals,
–
deductions we make for Contract fees and expenses other than the withdrawal charge, and/or
–
poor performance.
This also means that upon
                            a full withdrawal you may not receive any money.
•
Withdrawals (including any financial adviser fees that you choose to have us pay from this Contract)
are subject to
ordinary income taxes, and may also be
                            subject to a 10% additional federal tax for amounts withdrawn before
age 59
1
∕
2
. The amount of Contract Value available for withdrawal is also affected by the Daily Adjustment
(which can be negative)
                            unless taken on a Term End Date. If you have Index Options with different Term End
Dates, there may be no
                            time you can take a withdrawal without application of at least one Daily Adjustment.
Please consult with your
                            Financial Professional before requesting us to pay financial adviser fees from this
Contract rather than from
                            other assets you may have.
•
For tax purposes, and in most instances, withdrawals from Non-Qualified Contracts are considered to come from
earnings first, not Purchase Payments.
Daily Adjustment Maximum Potential Loss
The Daily Adjustment is how we calculate Index Option Values on days other than the Term Start Date or Term End Date. The Daily Adjustment approximates the Index Option Value that will be available on the Term End Date. If before the Term End Date you take a full or partial withdrawal (including any financial adviser fees that you choose to have us pay from this
                  Contract), you take Income Payments, you execute a Performance Lock, you annuitize the Contract, we pay a
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death benefit, or when we deduct Contract fees and expenses, we calculate the Index Option Value by applying the Daily Adjustment. The Daily Adjustment can be positive or negative. Following is the maximum potential loss associated with the Daily Adjustment.
Index Protection Strategy
with Trigger
and
Index Protection Strategy
with Cap
Index Dual Precision Strategy,
Index Precision Strategy,
and
Index Performance Strategy
Index
Guard
Strategy
Daily Adjustment Maximum Potential Loss
0%
99%
35%
(as a percentage of Index Option Value, applies for
distributions from an Index Option before any Term
End Date)
Premium Tax
Premium tax is based on your state of residence at the time you make each Purchase Payment. In states that assess a premium tax, we do not currently deduct it from the Contract, although we reserve the right to do so in the future. Premium tax normally ranges from 0% to 3.5% of the Purchase Payment, depending on the state or governmental entity.
Income Tax
Currently, we do not deduct any Contract related income tax we incur, although we reserve the right to do so in the future.
Fund Expenses
Charges deducted from and expenses paid out of the assets of the Fund are described in the Fund's prospectus.
These expenses reduce the Fund's performance and, therefore, negatively affect your Contract Value and any payments based on Contract Value.
7.
Access to Your Money
Your Contract Value is available under the following circumstances:
•
by taking a withdrawal (including financial adviser fees that you choose to
                    have us pay from this Contract; withdrawals under the free withdrawal privilege and waiver of withdrawal charge benefit; Income Payments and Excess Withdrawals; and, for Qualified Contracts only, RMD payments under our minimum distribution program);
•
by taking Annuity Payments; or
•
when we pay a death benefit.
You can take withdrawals during the Accumulation Phase, however, Income Payments and Excess Withdrawals are only available during the Income Period. We process withdrawal requests based on values next determined after receipt of the request in Good Order at our Service Center. Values are normally determined at the end of each Business Day. We process any
                  withdrawal request received at or after the end of the current Business Day using values determined on the next Business Day.
Any partial withdrawal must be for at least $100.* The Contract Value after a partial withdrawal (including any withdrawal charge) must be at least $2,000.**
Any partial withdrawal
                  that reduces the Contract Value below this minimum will be treated as a full withdrawal
of the Cash Value. A full withdrawal
                  will cause the Contract
and all of its benefits
to end.
*
Does not apply to RMD payments under our minimum distribution program.
**
Does not apply to Income Payments or RMD payments under our minimum
                    distribution program.
We deduct any partial withdrawal (including any withdrawal charge) proportionately from each Index Option and the Variable Option. The Index Option Value from which a partial withdrawal is deducted during a Term will include any applicable Daily Adjustment.
A partial or full withdrawal is subject to a withdrawal charge if taken within six years of your last Purchase Payment and, if taken on a day other than a Term End Date, we will apply the Daily Adjustment, which may be negative, to the Index Option Values before deducting the withdrawal. A partial withdrawal is not subject to any Contract fees or expenses other than the
                  withdrawal charge, but on a full withdrawal we do deduct any final product and rider fees, and contract maintenance charge.
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Partial withdrawals (including any withdrawal charge) reduce Contract Value and Cash Value dollar for dollar, and reduce the Guaranteed Death Benefit Value proportionately. The reduction to Contract Value also reduces the following which are based on Contract Value:
•
the initial annual maximum Income Payment;
•
the likelihood of receiving Income Payment Increases if the Level Income
                    payment option is selected, or receiving increases to the Maximum Anniversary Value if the Maximum Anniversary Value Death Benefit is selected; and
•
RMD payments.
If a partial withdrawal is also an Excess Withdrawal it will also reduce the annual maximum Income Payment on the next Index Anniversary. A full withdrawal of the Cash Value will end the Contract and all its benefits.
See the Fee Tables and section 6, Expenses for a discussion of the Contract fees and expenses.
We pay withdrawals promptly, but in no event later than seven days after receipt of your request in Good Order at our Service Center, unless the suspension of payments or transfers provision is in effect (see the discussion later in this section).
•
Withdrawals are subject to a withdrawal charge, income taxes, and may also be subject to a 10% additional federal
tax for amounts withdrawn before age 59
1
∕
2
. The amount of Contract Value available for
                            withdrawal may also be
affected by the Daily Adjustment
(which can be negative)
.
Please consult with your Financial Professional
                            before
requesting us to pay
                            financial adviser fees from this Contract rather than from other assets you may have.
•
Joint Owners:
We send each Joint Owner a check for half of the withdrawal
                            amount and we tax report that Joint
Owner individually.
Tax reporting each Joint Owner individually can create a discrepancy in taxation if only one
Joint Owner is under age
                            59
1
∕
2
because that Joint Owner may
be subject to the 10% additional federal tax.
•
We may be required to provide information about you or your Contract to government regulators. We may also be
required to stop Contract disbursements and thereby refuse
                            any transfer requests, and refuse to pay any withdrawals
(including a full withdrawal), or death benefits until we
                            receive instructions from the appropriate regulator. If,
pursuant to SEC rules, the AZL Government Money Market Fund
                            suspends payment of redemption proceeds in
connection with a fund liquidation, we will delay payment of
                            any transfer, full or partial withdrawal, or death benefit
from the Variable Option until the Fund is liquidated.
Free Withdrawal Privilege
Each Contract Year during the Accumulation Phase and before the Income Period, you can withdraw up to 10% of your total Purchase Payments without incurring a withdrawal charge (the free withdrawal privilege). Any unused free withdrawal privilege in one Contract Year is not added to the amount available to you in the next Contract Year. Withdrawals from
                  Purchase Payments that are outside the six year withdrawal charge period are not subject to a withdrawal charge and do not reduce your free withdrawal
                  privilege. RMD payments you take under our minimum distribution program and withdrawals under the waiver of withdrawal charge benefit are not subject to a
                  withdrawal charge, but do reduce your free withdrawal privilege. Amounts we deduct for any financial adviser fees that you choose to have us pay from this Contract also reduce your free withdrawal privilege.
Example
Assume your initial Purchase Payment 10 years ago was $100,000, and you made a second $90,000 Purchase Payment 3 years ago. You take an RMD payment of $1,500 and withdraw $150,000 when the Contract Value is $275,000. The RMD payment is not subject to a withdrawal charge, but reduces the amount available under the free withdrawal privilege to $17,500 (10%
                  x $190,000 total Purchase Payments = $19,000 - $1,500 RMD payment). After the RMD payment, $117,500 is available to you without a withdrawal charge: the
                  initial $100,000 Purchase Payment that is beyond the 6-year withdrawal charge period, and $17,500 remaining free withdrawal privilege. The remaining $32,500
                  of your requested withdrawal would be subject to a 7% withdrawal charge.
The free withdrawal privilege is not
                            available upon a full withdrawal or during the Income Period.
Minimum Distribution Program and Required Minimum Distribution (RMD) Payments
If you own an IRA or SEP IRA Contract, you can participate in the minimum distribution program during the Accumulation Phase (and Income Period, if applicable). Under this program, we make payments to you designed to meet the applicable minimum distribution requirements imposed by the Code for this Qualified Contract. RMD payments are
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not subject to a withdrawal charge, but they reduce the free withdrawal privilege amount during the Contract Year. We do not consider deductions we make for financial adviser fees that you choose to have us pay from this Contract to be RMD payments. However, Contract Value is one of the components we use to calculate RMD payments, so these deductions may reduce your
                future RMD payments.
We apply the Daily Adjustment to the Index Option Values if RMD payments are deducted on days other than the Term End Date
. This contract may not be appropriate if you intend to take RMD payments from an Index Option on days other than a Term End Date. You should consult your tax advisor before purchasing a Qualified Contract subject to RMD payments.
We can make payments to you monthly, quarterly, semi-annually or annually. However, if your Contract Value is less than $25,000, we only make annual payments. We do not allow you to aggregate RMD payments between this Contract and other qualified contracts that you own for purposes of this program. We must receive your program form instructions in Good Order at
                  our Service Center before the end of the Business Day before payments begin.
When you request Income Payments, we ask for instructions regarding your RMD needs for this Contract. If you choose to use Income Payments to satisfy your RMD needs, we determine whether this calendar year's total RMD has been satisfied by your Income Payments and any Excess Withdrawals. If the RMD amount for this Contract has not been satisfied, we send you this
                  remaining amount as one RMD payment by the end of the calendar year. We consider this payment to be a withdrawal, but it is not an Excess Withdrawal and it is
                  not subject to  a withdrawal charge,. For more information, see section 10, Income Benefit – Calculating Your Income Payments.
We reserve the right to discontinue or modify the minimum distribution program subject to the requirements of law.
•
You should consult a tax adviser before purchasing a Qualified Contract that is subject to RMD payments.
•
The minimum distribution program is not available if you have a Qualified Contract purchased through a
qualified plan.
Waiver of Withdrawal Charge Benefit
After the first Contract Year, you can take withdrawals and we waive the withdrawal charge if you:
•
begin confinement after the first Contract Anniversary in an eligible facility
                    (a hospital, nursing facility, or assisted living facility) for at least 90 days in a 120-day period, or
•
are unable to perform at least two of six activities of daily living (ADLs)
                    for at least 90 consecutive days. ADLs include bathing, dressing, toileting, continence, eating, and transferring (moving into or out of a bed, chair, or
                    wheelchair).
We must receive proof of staying in an eligible facility or ADL eligibility before we waive the withdrawal charge. For ADL eligibility we may require, at our expense, an examination or tests by a physician of our choice. This waiver is not available if on the Issue Date you were confined to an eligible facility, or were unable to perform all six of the ADLs. We base this benefit on the Annuitant for non-individually owned Contracts. Withdrawals under this benefit reduce the free withdrawal privilege amount during the Contract Year, and if taken during the Income Period will be treated as an Excess Withdrawal
                  if they cause the total amount withdrawn in that Income Benefit Year to exceed the annual maximum Income Payment. We apply the Daily Adjustment to the Index
                  Options if withdrawals under this benefit are deducted on days other than the Term End Date.
Suspension of Payments or Transfers
We may be required to suspend or postpone transfers or payments for withdrawals* for more than seven days after receipt of your request in Good Order at our Service Center, for any period when:
•
the New York Stock Exchange is closed (other than customary weekend and
                    holiday closings);
•
trading on the New York Stock Exchange is restricted;
•
an emergency (as determined by the SEC) exists as a result of which disposal
                    of Fund shares by the Separate Account, or disposal of securities owned by the Fund, is not reasonably practicable, or it is not reasonably practical for
                    the Separate Account or the Fund to determine the value of their net assets; or
•
during any other period when the SEC, by order, so permits for the protection
                    of Owners.
*
Including Income Payments and Excess Withdrawals.
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8.
The Annuity Phase
Prior to annuitization, you can take a full withdrawal and receive your Cash Value. If you take a full withdrawal on any day other than a Term Start Date or Term End Date we apply the Daily Adjustment to the Index Option Values before we deduct the final Contract fees and expenses.
Annuity Payments offer a guaranteed lifetime income stream with certain tax advantages and are designed for Owners who no longer need immediate access to Contract Value to meet their short-term income needs.
You can request regular periodic fixed Annuity Payments. The Payee receives the Annuity Payments. You receive tax reporting on the payments, whether or not you are the Payee. We may require proof of the Annuitant(s)' age before we make any life contingent Annuity Payment. If you misstate the Annuitant(s)' age or gender, we recalculate the Annuity Payments
                  based on the correct age or gender.
Calculating Your Annuity Payments
We base Annuity Payments upon the following:
•
The Contract Value less the final product fee, and rider fee (if applicable)
                    on the Annuity Date.
•
The age of the Annuitant and any joint Annuitant on the Annuity Date.
•
The gender of the Annuitant and any joint Annuitant where permitted.
•
The Annuity Option you select.
•
Your Contract's interest rate (or current rates, if higher) and mortality
                    table.
For any Index Option for which the Annuity Date is not a Term End Date, Contract Value reflects the Daily Adjustment. We guarantee the dollar amount of Annuity Payments and this amount remains fixed and does not change during the entire annuity payment option period that you selected, except as provided under Annuity Option G, or if your Income Payments under the
                  Increasing Income payment option are converted to Annuity Payments. We deduct the contract maintenance charge proportionately from each Annuity Payment (e.g.,
                  if you request semi-annual Annuity Payments we deduct 50% of the contract maintenance charge from each Annuity Payment). However, if your Contract Value on
                  the last Business Day before the Annuity Date is at least $100,000, we waive the contract maintenance charge during the Annuity Phase.
Annuity Payment Options
You can choose one of the Annuity Options described below. After Annuity Payments begin, you cannot change the Annuity Option, or transfer or withdraw Contract Value.
Option A - Guaranteed Period.
We make
                  Annuity Payments for a guaranteed period of ten years.
Option B - Life.
We make Annuity Payments
                  during the life of the Annuitant, and the last payment is the one that is due before the Annuitant's death. If the Annuitant dies shortly after the Annuity
                  Date, the Payee may receive less than your investment in the Contract.
Option C - Life with Guaranteed Period.
We
                  make Annuity Payments during the life of the Annuitant, with payments for a minimum guaranteed period that you select. The guaranteed period must be either
                  five or ten years.
Option F - Joint and Survivor.
We make
                  Annuity Payments during the lifetimes of the Annuitant and the joint Annuitant. Upon the death of one Annuitant, Annuity Payments to the Payee continue during
                  the lifetime of the surviving joint Annuitant. If both Annuitants die shortly after the Annuity Date, the Payee may receive less than your investment in the Contract.
Option G - Joint and 2/3 Survivor Annuity.
We
                  make Annuity Payments during the lifetimes of the Annuitant and the joint Annuitant. Upon the death of one Annuitant, Annuity Payments to the Payee continue
                  during the lifetime of the surviving joint Annuitant at 2/3 of the original amount. If both Annuitants die shortly after the Annuity Date, the Payee may receive less than your investment in the Contract.
Under Annuity Options B, F and G, if all Annuitants die on or after the Annuity Date and before we send the first Annuity Payment, we will cancel Annuity Payments and, upon receipt of a Valid Claim, we will pay the Contract Value determined on the Annuity Date to surviving individual Owner, or the Beneficiary(ies) if there is no surviving Owner. If the Owner is a
                  non-individual, we pay the Owner.
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After the Annuitant's death under Annuity Options A and C, we make Annuity Payments during the remaining guaranteed period in the following order based on who is still alive: the Payee, any surviving original Owner, the last surviving Owner's Beneficiaries, or to the last surviving Owner's estate if there are no remaining or named Beneficiaries.
Annuity Payments are usually lower if you select an Annuity Option that requires us to make more frequent Annuity Payments or to make payments over a longer period of time. If you choose life contingent Annuity Payments, payout rates for a younger Annuitant are lower than the payout rates for an older Annuitant and payout rates for life with a guaranteed period
                  are typically lower than life only payments. Monthly payout rates are lower than annual payout rates, payout rates for a 10-year guaranteed period are less
                  than payout rates for a 5-year guaranteed period, and payout rates for a 50-year-old Annuitant are less than payout rates for a 70-year-old Annuitant.
•
If you do not choose an Annuity Option before the Annuity Date, we make Annuity Payments to the Payee
under Annuity Option C with ten years of
                            guaranteed monthly payments.
•
For Owners younger than age 59
1
∕
2
, Annuity
                            Payments may be subject to a 10% additional federal tax.
•
For a Qualified Contract, the Annuity Payments must end ten years after the Owner's death.
When Annuity Payments Begin
Annuity Payments must begin on the maximum Annuity Date stated in your Contract, which is the Index Anniversary that occurs on or immediately after the Annuitant reaches either age 90 or age 100 depending on the requirements of the Financial Professional from which you purchased your Contract. An earlier Annuity Date or a withdrawal may be required to satisfy
                  minimum required distribution rules under certain Qualified Contracts.
You can make an authorized request for an earlier Annuity Date after the Issue Date, but any such request is subject to applicable law and our approval.
Your Annuity Date must occur on an Index Anniversary. The earliest available Annuity Date is
                  the second Index Anniversary.
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•
If Annuity Payments would be less than $100, we reserve the right to require you to take a full withdrawal and
your Contract will then terminate. We do not
                            assess a withdrawal charge on this full withdrawal.
•
If on the maximum Annuity Date your Contract Value is greater than zero, you must annuitize the Contract.
We notify you of your available options in writing 60 days in
                            advance.
If on your maximum Annuity Date you have
not selected an Annuity
                            Option and Income Payments have not begun, we make payments under Annuity Option
C with ten years of
                            guaranteed monthly payments. However, if Income Payments have begun on the maximum
Annuity Date and you have
                            not selected an Annuity Option we will convert your Income Payments to Annuity
Payments as described in
                            the next bullet.
Upon annuitization you no longer have Contract Value or a death benefit,
and you cannot receive any other periodic withdrawals or
                            payments other than Annuity Payments.
•
For Contracts in the Income Period:
We will convert your Income Payments
                            to Annuity Payments on the
maximum Annuity Date Income Payments have begun and you have
                            not selected an Annuity Option, or if your
Contract Value is greater than zero and you take Annuity
                            Payments under Annuity Option B or F as follows.
For single Income Payments, if you choose Annuity Option B
                            (Life) the sole Covered Person becomes the sole
Annuitant and your Annuity Payments are equal to the greater
                            of:
–
annual Annuity Payments under Annuity Option B based on the Contract Value; or
–
the current annual maximum Income Payment available to you.
For joint Income Payments, if you choose Annuity Option F
                            (Joint and Survivor) the joint Covered Persons become the
joint Annuitants and your Annuity Payments are equal to the
                            greater of:
–
annual Annuity Payments under Annuity Option F based on the Contract Value; or
–
the current annual maximum Income Payment available to you.
If you select Annuity Option A, C, or G, we do
not
convert your Income Payments to Annuity Payments.
This means
you may receive less as Annuity Payments
                            than you would have received as Income Payments. You should
consult with your Financial Professional
                            before requesting Annuity Payments. On request we provide
illustrations showing you the amount of
                            Annuity Payments you could receive.
•
If we convert your Income Payments to Annuity Payments:
–
On the Annuity Date we establish a "remaining value" equal to your Contract Value. Each Annuity Payment
reduces the remaining value by the dollar amount paid. Upon
                            the death of the last surviving Annuitant, we will pay
any remaining value to the named Beneficiary(s).
–
If you selected the Increasing Income payment option, your Annuity Payments will increase on each Index
Anniversary if your selected Index Options receive a
                            Performance Credit, or by the Daily Adjustment if you execute
a Performance Lock, as described in section 10.
–
If you have a Non-Qualified Contract, these Annuity Payments will receive the benefit of the exclusion ratio, which
causes a portion of each Annuity Payment to be non-taxable as
                            described in section 12, Taxes – Taxation of
Annuity Contracts.
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9.
Benefits Available Under the Contract
The following tables summarize information about the benefits available under the Contract.
Standard
Benefits (No Additional Charge)
Name of
Benefit
Purpose
Maximum
Fee
Brief Description of
                            Restrictions/Limitations
Free
Withdrawal
Privilege
Allows you to withdraw up to 10% of your total
Purchase Payments each Contract Year without
incurring a withdrawal charge.
None
• Only available during the Accumulation Phase.
• Not available during the Income Period.
• Not available upon a full withdrawal.
• Unused free withdrawal amounts not available
in future years.
• Program withdrawals may be subject to
negative Daily Adjustments.
• Program withdrawals are subject to income
taxes, and may also be subject to a 10%
additional federal tax for amounts withdrawn
before age 59
1
∕
2
.
Minimum
Distribution
Program
Allows you to automatically take withdrawals to
satisfy the minimum distribution requirements
(RMD) imposed by the Internal Revenue Code.
None
• Only available during the Accumulation Phase.
• Only available to IRA or SEP IRA Contracts.
• Program withdrawals count against free
withdrawal privilege.
• Program withdrawals may be subject to
negative Daily Adjustments.
• Program withdrawals are subject to income
taxes.
• Program withdrawals may be monthly,
quarterly, semi-annual or annual, unless you
have less than $25,000 in Contract Value, in
which case only annual payments are
available.
• We reserve the right to discontinue or modify
the program subject to the requirements of law.
Financial
Adviser
Fees
If you have a financial adviser and want to pay
their financial adviser fees from this Contract,
you can instruct us to withdraw the fee from your
Contract and pay it to your Financial
Professional or Financial Professional's firm as
instructed.
None
• Only available during the Accumulation Phase.
• Financial adviser fees are in addition to the
Contract's fees and expenses.
• Deductions for financial adviser fees are
treated as withdrawals under the Contract.
• Program withdrawals count against free
withdrawal privilege.
• Program withdrawals may be subject to
negative Daily Adjustments.
• Program withdrawals are subject to withdrawal
charges, income taxes, and may also be
subject to a 10% additional federal tax for
amounts withdrawn before age 59
1
∕
2
.
• We reserve the right to discontinue or modify
the program.
• See section 1 for an example of how deduction
of financial adviser fees impact the Contract.
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Standard Benefits (No Additional Charge)
Name of
Benefit
Purpose
Maximum
Fee
Brief Description of
                            Restrictions/Limitations
Waiver of
Withdrawal
Charge
Benefit
Waives withdrawal charges if you are confined
for care, or are unable to perform at least two out
of six activities of daily living (ADLs).
None
• Only available during the Accumulation Phase.
• Confinement must begin after the first Contract
Anniversary, be for at least 90 days in a
120-day period, and requires proof of stay.
• Inability to perform two ADLs must be for at
least 90 consecutive days and may require an
exam or tests by a physician.
• Not available on the Issue Date if any Owner
was confined to an eligible facility, or unable to
perform all six ADLs.
• Program withdrawals count against free
withdrawal privilege.
• Program withdrawals may be subject to
negative Daily Adjustments.
• Program withdrawals are not subject to
withdrawal charges, but are subject to income
taxes, and may also be subject to a 10%
additional federal tax for amounts withdrawn
before age 59
1
∕
2
. • State variations may apply.
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Standard Benefits (No Additional Charge)
Name of
Benefit
Purpose
Maximum
Fee
Brief Description of
                            Restrictions/Limitations
Income
Benefit
Guaranteed lifetime withdrawal benefit providing
for yearly Income Payments until the death of the
Covered Person(s) if conditions are satisfied.
We base the initial Income Payment on the
Lifetime Income Percentage and Contract Value.
If you choose the Level Income payment option
and meet the age requirements stated in section
10, we guarantee your initial annual maximum
Income Payment will be at least the Level
Income Guarantee Payment Percentage
multiplied by your total Purchase Payments
adjusted for withdrawals.
The automatic annual payment increase feature
may increase payments after the Income Benefit
Date. With Level Income, payments increase if
Contract Value increases from one Income
Benefit Anniversary to the next.
Includes the Income Multiplier Benefit for no
additional charge that can increase income to
help pay for needed care.
Section 10 includes examples of the Lifetime
Income Percentage Calculation, Excess
Withdrawals, Income Payment increases, and
the Income Multiplier Benefit.
0.70%
(as a
percentage of
the Charge
Base)
This rider fee
is part of the
Base Contract
Expenses in
the Fee
Tables.
• Benefit cannot be removed before third Index
Anniversary or after Income Payments have
begun.
• See Income Benefit Supplement for current
terms.
• Benefit only available during the Accumulation
Phase.
• Investment restrictions limit available Index
Options during Income Period.
• Income Period cannot begin until after the
waiting period and reaching age 50. Income
Period must begin no later than age 100.
• Early and Excess Withdrawals may
significantly reduce or end the benefit as
indicated in section 10.
•
A full Excess Withdrawal and certain partial
Excess Withdrawals will
                            cause Income
Payments to stop and the
                            Contract
and all
of its benefits
to end.
• If you have Contract Value in an Index Option
for which the Income Benefit Date is not a
Term End Date, we will execute a Performance
Lock for that Index Option if it is not locked and
then immediately calculate and begin your
Income Payments, and in such case the Index
Option Value will be subject to the Daily
Adjustment.
• Income Payments are subject to income taxes,
and may also be subject to a 10% additional
federal tax for amounts withdrawn before age
59
1
∕
2
.
• No additional Purchase Payments during the
Income Period.
• No Income Percentage Increase before age
45.
• Availability of joint Income Payments subject to
age restrictions.
• The Income Multiplier Benefit is not available
in all states as indicated in Appendix F.
• Must establish eligibility to exercise the Income
Multiplier Benefit (e.g., that you are confined
for care or unable to perform two activities for
daily living) and must re-establish eligibility
each year thereafter.
• Annuitizing the Contract will end the benefit,
but you may be able to annuitize your annual
maximum Income Payment.
• State variations may apply.
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Standard Benefits (No Additional Charge)
Name of
Benefit
Purpose
Maximum
Fee
Brief Description of
                            Restrictions/Limitations
Traditional
Death
Benefit
Provides a death benefit equal to the greater of
the Contract Value, or Guaranteed Death Benefit
Value. The Guaranteed Death Benefit Value is
total Purchase Payments adjusted for
withdrawals.
An example of the death benefit provided by the
Traditional Death Benefit is included in section
11, Death Benefit.
An example of how deduction of financial adviser
fees impact the death benefit is included in
section 1.
The impact of an Excess Withdrawal on the
death benefit is included in section 10.
None
• Benefit only available during the Accumulation
Phase.
• Withdrawals, including any negative Daily
Adjustments, may significantly reduce the
benefit as indicated in section 1, Financial
Adviser Fee Deduction Example, and in the
Excess Withdrawal example in section 10,
Income Benefit.
• Restrictions on Purchase Payments may limit
the benefit.
• Annuitizing the Contract will end the benefit.
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Standard Benefits (No Additional Charge)
Name of
Benefit
Purpose
Maximum
Fee
Brief Description of
                            Restrictions/Limitations
Performance
Lock and
Early
Reallocations
Performance Lock allows you to capture the
current Index Option Value during the Term for
an Index Option. Performance Lock can help
eliminate doubt about future Index performance
and possibly limit the impact of negative
performance. Early Reallocation allows you to
transfer out of a locked Index Option on days
other than an Index Anniversary, or a Term End
Date.
A Performance Lock example is included in
section 4, Valuing Your Contract — Performance
Locks and Early Reallocations.
None
• Available during the Accumulation Phase. Only
available during the Annuity Phase if you
select Increasing Income and you annuitize
your annual maximum Income Payment.
• Performance Locks must be executed before
the Term End Date.
• If a Performance Lock is executed, the locked
Index Option will no longer participate in Index
performance (positive or negative) for the
remainder of the Term, and will not receive a
Performance Credit on the Term End Date.
• You will not know your locked Index Option
Value in advance.
• The locked Index Option Value will reflect a
Daily Adjustment.
• If a Performance Lock is executed when Daily
Adjustment has declined, it will lock in any
loss.
• A Performance Lock can be executed only
once each Term for each Index Option.
• Cannot execute a Performance Lock for only a
portion of the Index Option Value.
• Early Reallocation requests are not accepted
within 14 calendar days before an Index
Anniversary, and are limited to two Early
Reallocation requests each Index Year.
• Deductions (e.g. withdrawals, fees) decrease
the locked Index Option Value.
• Cannot transfer locked Index Option Value until
the next Index Anniversary that occurs on or
immediately after the Lock Date unless you
execute an Early Reallocation.
• We will not provide advice or notify you
regarding whether you should execute a
Performance Lock or Early Reallocation or
the optimal time for doing so.
• We will not warn you if you execute a
Performance Lock or Early Reallocation at
a sub-optimal time.
• We are not responsible for any losses
related to your decision whether or not to
execute a Performance Lock or Early
Reallocation.
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Optional
Benefits
Name of
Benefit
Purpose
Maximum
Fee
Brief Description of
                            Restrictions/Limitations
Maximum
Anniversary
Value Death
Benefit
Provides a death benefit equal to the greater of
the Contract Value, or Guaranteed Death Benefit
Value. The Guaranteed Death Benefit Value is
the Maximum Anniversary Value.
An example of the death benefit provided by the
Maximum Anniversary Value Death Benefit, and
calculation of the Maximum Anniversary Value is
included in section 11, Death Benefit.
An example of how deduction of financial adviser
fees impact the death benefit is included in
section 1.
The impact of an Excess Withdrawal on the
death benefit is included in section 10.
0.20%
(as a
percentage of
the Charge
Base)
• Must be age 75 or younger to elect.
• Can only be added to a Contract at issue.
• Replaces the Traditional Death Benefit if
elected.
• Benefit cannot be removed from the Contract.
• Only available during the Accumulation Phase.
• Withdrawals, including any negative Daily
Adjustment, may significantly reduce the
benefit as indicated in section 1, Financial
Adviser Fee Deduction Example, and in the
Excess Withdrawal example in section 10,
Income Benefit.
• Withdrawals reduce the likelihood of lock in.
• Investment restrictions during the Income
Period may limit the benefit.
• Restrictions on Purchase Payments may limit
the benefit.
• Annuitizing the Contract will end the benefit.
10.
Income Benefit
The Income Benefit is automatically included in your Contract at issue, but you can remove it after three years if Income Payments have not begun.
If you remove the Income Benefit
                  you will have paid for the benefit without receiving any of its advantages
. It provides guaranteed lifetime Income Payments based on a percentage of your Contract Value until annuitization. Once the Income Payment waiting period has expired, Income Payments can begin as early as age 50 or as late as age 100.
                  Unlike Annuity Payments, the Income Benefit allows access to your Contract Value and death benefit for a period of time after Income Payments begin. However,
                  once Income Payments begin only the Index Options with the Index Protection Strategy with Trigger and Index Protection Strategy with Cap are available to you.
                  If you have Contract Value in any of the Index Options with the Index Dual Precision Strategy, Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy, you must transfer this Contract Value to the Index Options with the Index Protection Strategy with Trigger or Index Protection Strategy with Cap when you request Income Payments. The Income Benefit has a rider fee as
                  discussed in the Fee Tables, and section 6, Expenses. The Income Benefit also includes the Income Multiplier Benefit for no additional charge, which can
                  increase the annual maximum Income Payment after the required wait period to help pay for care if you should need it.
Removing the Income Benefit
If you no longer want or need the benefits provided by the Income Benefit, you can remove it from your Contract on or after the third Index Anniversary and before Income Payments begin if your Contract Value is positive. You can remove the Income Benefit by completing the appropriate form. We remove this benefit from your Contract on the Index Anniversary (or on
                  the next Business Day if the Index Anniversary is not a Business Day) that occurs immediately after we receive your request in Good Order at our Service
                  Center, and the rider termination date is that Index Anniversary. Your request is in Good Order if we receive this form no earlier than 30 calendar days
                  before an Index Anniversary, but no later than five Business Days before the Index Anniversary. If we receive your request outside this time period, we ask
                  you to resubmit it for the next Index Anniversary.
If you remove the Income Benefit, we stop assessing the Income Benefit rider fee and we deduct the final rider fee on the rider termination date. You cannot remove the Income Benefit on or after the Income Benefit Date (the date you begin receiving Income Payments and the Income Period begins).
If you remove the Income Benefit you
                  will have paid for the benefit without receiving any of its advantages.
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How the Income Benefit Works
We designed Income Payments to last for the lifetime of the
Covered Person(s)
. Covered Person(s) are based on the Eligible Person(s) and the Income Payment type you select on the Income Benefit Date. We establish
Eligible Person(s)
at issue based on the Contract's ownership and tax qualification status.
We generally base Income Payments on the Lifetime Income Percentage and your Contract Value. However, it is possible in periods of extremely low return that the Level Income Guarantee Payment Percentage could result in a higher initial Income Payment. In those circumstances we base Income Payments on total Purchase Payments adjusted for withdrawals instead of
                  Contract Value. We base each Lifetime Income Percentage on its
Income Percentage(s)
and
Income Percentage
                  Increase
(the amount that each Income Percentage can increase on each Index Anniversary up to and including the Income Benefit Date). On the Index Effective Date we establish:
•
An Income Percentage for each payment type using the Eligible Person's current
                    age, or younger Eligible Person's current age for joint payments. This Income Percentage is also the initial Lifetime Income Percentage for each payment type.
•
An Income Percentage Increase for each Eligible Person based on their current
                    age (or younger Eligible Person's current age for joint payments). However, if there are two Eligible Person(s) the Index Options Statement will not display a single Lifetime Income Percentage for an Eligible Person who is only a Beneficiary, because only an Eligible Person who is also an Owner (or Annuitant if the Owner is a non-individual) can become a Covered Person if you select single payments.
During the Accumulation Phase on each Index Anniversary on and before the Income Benefit Date, we add an Income Percentage Increase to each Lifetime Income Percentage once the Eligible Person (or younger Eligible Person for joint payments) reaches age 45.
This means if an Eligible Person is younger than age 44 on the Issue
                  Date:
•
you will not receive an increase to a
                    Lifetime Income Percentage based on that Eligible Person until the Index Anniversary that the Eligible Person (or younger
                    Eligible Person for joint payments) reaches age 45, and
•
you will pay a rider fee during the period
                    you are not eligible for an Income Percentage Increase.
The table showing the Income Percentages and Income Percentage Increases is stated in the Income Benefit Supplement. Additional Purchase Payments we receive after the Index Effective Date will adjust each Lifetime Income Percentage on the next Index Anniversary based on:
•
the Income Percentage for the Eligible Person's current age, and
•
the Variable Account Value's percentage of total Contract Value.
If we receive additional Purchase Payments after the Eligible Person reaches age 45, these Purchase Payments will increase the available Income Payment because they increase the Contract Value, although they actually decrease each Lifetime Income Percentage. Please see the Lifetime Income Percentage Calculation Example later in this section.
Then when you are ready to take Income Payments, you can choose which Lifetime Income Percentage we use to calculate your payment. You will always be able to choose between Lifetime Income Percentages for the Level Income and Increasing Income payment options. However, once Income Payments begin you cannot change your payment option.
Level
                  Income
provides an automatic annual increase to your Income Payments if your Contract Value increases from one Income Benefit Anniversary to the next. If you choose the Level Income payment option and meet certain age requirements, your initial Income Payment will not be less than a percentage
(Level Income Guarantee Payment Percentage)
of your total Purchase Payments reduced proportionately for
                  withdrawals you took  (including any withdrawal charge). All withdrawals you take reduce your total Purchase Payments, even Penalty-Free Withdrawals and financial adviser fees that you choose to have us pay from this Contract. However, we do not reduce your total Purchase Payments for deductions we make for Contract fees and expenses.
Increasing Income
provides Income Payment increases on each Income Benefit Anniversary during the Income
                  Period if your selected Index Option(s) receives a positive Performance Credit, or you execute a Performance Lock during the prior Income Benefit Year.
If there are two Eligible Person(s) who both meet the exercise age requirements, you will also be able to choose between Lifetime Income Percentages for single and joint payments. If both Eligible Persons are also Owners, you will also be able to choose between single Lifetime Income Percentages based on each Eligible Person. The Lifetime Income Percentages available before the Income Benefit Date are displayed on the Index Options Statement. During the Income Period this statement will
                  show the annual maximum Income Payment available for the next year. The annual maximum Income
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Payment displayed for the Level Income payment option will reflect the Level Income Guarantee Payment Percentage if this calculation results in a greater payment and you meet the age requirements stated under "Calculating Your Income Payments" later in this section.
There are restrictions on which Eligible Person can become a Covered Person if you select single Income
                  Payments. Joint Income Payments are not available if the age difference between spouses is more than 50 years (for more information see section 2, Eligible Person(s) and Covered Person(s)).
Income Payments are not available until the Index Anniversary that occurs on or after the Income Payment waiting period (which is stated in the Income Benefit Supplement) expires and the Eligible Person(s) reaches age 50. Income Payments must begin no later than age 100.
If you do not begin Income Payments during the eligibility
                  period, the Income Benefit ends and you will have paid for the benefit without receiving any of its advantages. In
                  addition, before the Income Period you are paying for a benefit that you are not currently using.
You choose your Income Payment frequency and amount subject to the annual maximum permitted payment. The payment option (Level Income or Increasing Income) you select determines how and when your annual maximum Income Payment will increase from one Income Benefit Anniversary to the next as described in "Automatic Annual Income Payment Increases" later in this
                  section.
We use Contract Value to calculate your initial annual maximum Income Payment, and Income Payment increases under the Level Income payment option.
Negative Index Option performance,
                  withdrawals you take (including any financial adviser fees that you choose to have us pay from this Contract), and deductions we make for Contract fees or expenses decrease the Contract Value, which reduces the initial annual maximum Income Payment available to you, and the likelihood you will receive Income Payment increases if you select the Level Income payment option. Once established, the annual
                  maximum Income Payment can only decrease if you take an Excess Withdrawal.
A full Excess Withdrawal and certain partial Excess Withdrawals will cause Income Payments to stop and the Contract
and all of its benefits
to end.
The Income Benefit also includes the Income Multiplier Benefit which, after the required wait period, can increase your income to help pay for care if you should need it. If you qualify for this benefit, we multiply your annual maximum Income Payment by the income multiplier factor. The income multiplier factor and income multiplier benefit wait period are stated in the Income Benefit Supplement. The Income Multiplier Benefit is not available in all states as indicated in Appendix F.
•
YOU SHOULD NOT PURCHASE THIS CONTRACT WITHOUT FIRST OBTAINING THE CURRENT
INCOME BENEFIT SUPPLEMENT.
We publish any changes to the Income Benefit Supplement at least seven
calendar days before they take effect on our
                            website at
www.allianzlife.com/RILAincomerates.
•
Please discuss the Income Benefit's appropriateness with your Financial Professional and tax adviser.
During the Income Period
•
You will receive Income Payments as long as a Covered Person is alive and
                    continues to meet the requirements stated in section 2. However,
Income Payments and the Income Benefit may end prematurely if you:
−
change the Owner(s) or Beneficiary and all Covered Persons are removed from
                    the Contract because they no longer meet the requirements stated in section 2,
−
take an Excess Withdrawal that reduces the Contract Value to $2,000 or less,
                    or
−
you annuitize your Contract. However,
we can convert your Income Payment to Annuity Payments as described in section 8, The Annuity Phase – When Annuity Payments Begin.
•
If you begin Income Payments before age 59
1
∕
2
, the payments may be subject to a 10% additional federal
                    tax.
•
Any part of your annual maximum Income Payment that you do not withdraw in a
                    given Income Benefit Year remains in your Contract for the remainder of that year, but is not added to the annual maximum payment available next year.
•
Excess Withdrawals reduce your annual maximum Income Payment by the
                    percentage of Contract Value withdrawn (including any withdrawal charge) on the next Income Benefit Anniversary.
•
You cannot make additional Purchase Payments. If your Contract includes the
                    Traditional Death Benefit your Guaranteed Death Benefit Value no longer increases.
•
The Contract Value continues to fluctuate as a result of Index Option
                    performance. However, only the Index Protection Strategy with Trigger and Index Protection Strategy with Cap are available to you. This may limit your
                    Contract's performance potential, and if your Contract includes the Maximum Anniversary Value Death Benefit, this may also limit your Guaranteed Death Benefit Value.
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•
The Contract Value decreases on a dollar for dollar basis with each Income
                    Payment, Excess Withdrawal (including any financial adviser fees that you choose to have us pay from this Contract), and deductions we make for Contract
                    fees and expenses. If your Contract includes the Maximum Anniversary Value Death Benefit, this decrease in Contract Value also reduces the likelihood of locking in investment gains to the Maximum Anniversary Value.
•
Each Income Payment and any Excess Withdrawal (including any financial adviser
                    fees that you choose to have us pay from this Contract) also reduces your Guaranteed Death Benefit Value and the Charge Base used to calculate product and rider fees by the percentage of Contract Value withdrawn  (including any withdrawal charge)
, which means these values may be reduced by more than the
                    amount withdrawn
.
•
The Income Benefit rider fee continues until the Business Day the Contract
                    Value reduces to zero, you annuitize the Contract, or the Income Benefit ends.
•
If your Contract also includes the Maximum Anniversary Value Death Benefit,
                    its rider fee continues as indicated in section 6, Expenses.
•
The free withdrawal privilege is no longer available.
•
If you exercise the Income Multiplier Benefit, we will increase your annual
                    maximum Income Payment for the remainder of that Income Benefit Year and the next year. To continue receiving this increase each Income Benefit Year you must reestablish eligibility.
Any increase to your
                    Income Payments as a result of this benefit will more rapidly reduce your Guaranteed Death Benefit Value.
•
If your Contract Value reduces to zero during the Income Period for any
                    reason other than an Excess Withdrawal or annuitization that does not convert your Income Payments to Annuity Payments, you will continue to receive your maximum available Income Payment at the previous selected payment frequency until the earlier of the death of the Owner or last surviving Covered Person. If you exercised the Income Multiplier Benefit, it will end on the Income Benefit Anniversary
                    that occurs on or immediately after your Contract Value reduces to zero. This means that you will no longer receive the increased annual maximum Income
                    Payment provided by this Benefit; however, you will continue to receive the maximum available Income Payment, which will be less than the amount you
                    previously received under the Income Multiplier Benefit.
•
Income Payments made while Contract Value
                    is greater than zero are payments made from your own money, and the chance of Contract Value being reduced to zero and
                    receiving lifetime Income Payments from us may be minimal.
An example of the effect of an Excess Withdrawal on the Guaranteed Death Benefit Value and the annual
                  maximum Income Payment is included later in this section.
Requesting Income Payments
You request Income Payments by completing a payment election form. We must receive your Income Payment election form in Good Order at our Service Center no later than five Business Days before the Income Benefit Date. At least one Eligible Person must remain in the Contract and be alive on the Income Benefit Date in order for Income Payments to begin. Joint
                  payments are only available if there are two Eligible Persons on the Income Benefit Date. If you have Contract Value in any of the Index Options with the
                  Index Dual Precision Strategy, Index Precision Strategy, Index Guard Strategy, or Index Performance Strategy, you must transfer this Contract Value to the
                  Index Options with the Index Protection Strategy with Trigger or Index Protection Strategy with Cap when you request Income Payments. In addition, your Income
                Benefit Date must be on an Index Anniversary. If you have Contract Value in an Index Option and the Income Benefit Date is not also a Term End Date for that Index Option, we will execute a Performance Lock for that Index Option if it is not locked and then immediately calculate and begin your Income Payments, and in such case the Index Option Value will be subject to the Daily Adjustment. If you have Index Options with different Term End Dates, there may be no Income Benefit Date
                  you can select without application of at least one Daily Adjustment. For the Index Protection Strategy with Trigger or Index Protection Strategy with Cap
                  Index Options we will execute this Performance Lock even if the Daily Adjustment is zero.
We will send you a notice letter at least 30 days before:
•
the Index Anniversary that Income Payments can begin once the Eligible
                    Person(s) reaches age 50,
•
the last Index Anniversary that joint Income Payments will be available
                    because the older Eligible Person is reaching age 100 if there are two Eligible Persons, and
•
the last Index Anniversary that Income Payments will be available because the
                    younger Eligible Person is reaching age 100.
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•
If Income Payments do not begin by the Index Anniversary upon which the younger Eligible Person reaches
age 100, the Income Benefit ends.
•
If the Income Benefit ends before Income Payments begin, you will have paid for the benefit without receiving
any of its advantages.
Calculating Your Income Payments
The annual maximum Income Payment is the amount you are entitled to receive each Income Benefit Year. On the Income Benefit Date, if you select the Level Income payment option and all Covered Persons are age 80 or younger (and were age 75 or younger on the Issue Date) your initial annual maximum Income Payment is the greater of the following:
•
The Level Income Guarantee Payment Percentage based on the Covered Person's
                    current age (or the younger Covered Person's current age for joint payments) multiplied by total Purchase Payments reduced for withdrawals you took. Withdrawals reduce total Purchase Payments by the percentage of Contract Value withdrawn (including any withdrawal charge), determined at the end of each Business Day.
All withdrawals you take reduce
                    your total Purchase Payments, even Penalty-Free Withdrawals and financial adviser fees that you choose to have us pay
                    from this Contract. However, we do not reduce your total Purchase Payments for deductions we make for Contract fees and expenses.
•
The Lifetime Income Percentage for the payment type you select multiplied by
                    the Contract Value determined at the end of the Business Day after we deduct the product fee, rider fee, and contract maintenance charge and apply any Performance Credits, but before we make any Income Payments or Excess Withdrawals (including any financial adviser fees that you choose to have us pay from this Contract).
If the Covered Persons do not meet these age requirements (age 80 or younger on the Income Benefit Date, and age 75 or younger on the Issue Date), or if you select the Increasing Income payment option, we instead calculate your initial annual maximum Income Payment as stated in the second bullet above (the Lifetime Income Percentage for the payment type you select multiplied by the Contract Value determined at the end of the Business Day after we deduct the product fee, rider fee, and
                  contract maintenance charge and apply any Performance Credits, but before we make any Income Payments or deduct Excess Withdrawals).
•
If you have Contract Value in an Index Option for which the Income Benefit Date is not a Term End Date, we
will execute a Performance Lock for that
                            Index Option if it is not locked and then immediately calculate and
begin your Income Payments, and in such case
                            the Index Option Value will be subject to the Daily Adjustment.
If you have Index Options with different
                            Term End Dates, there may be no Income Benefit Date you can select
without application of at least one Daily
                            Adjustment.
This means you may not receive the full benefit of the
Performance Credit that
                            you would have received if you had waited until the Term End Date to begin Income
Payments.
•
We use Contract Value to calculate your initial annual maximum Income Payment, and Income Payment increases
under the Level Income payment option. Negative Index Option
                            performance, withdrawals you take (including any
financial adviser fees that you choose to have us pay from
                            this Contract), and deductions we make for Contract fees
and expenses decrease the Contract Value, which reduces the
                            initial annual maximum Income Payment available to
you, and the likelihood you will receive Income Payment
                            increases if you select the Level Income payment option.
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Level Income Guarantee Payment Percentage Table
Covered Person's age
(or younger Covered Person's age for
joint payments)
on the Income Benefit Date
Level Income Guarantee
Payment Percentage
50
2.23
%
51
2.28
%
52
2.33
%
53
2.39
%
54
2.44
%
55
2.50
%
56
2.57
%
57
2.64
%
58
2.71
%
59
2.78
%
60
2.86
%
61
2.95
%
62
3.04
%
63
3.13
%
64
3.23
%
65
3.34
%
66
3.45
%
67
3.58
%
68
3.71
%
69
3.85
%
70
4.00
%
71
4.17
%
72
4.35
%
73
4.55
%
74
4.77
%
75
5.00
%
76
5.27
%
77
5.56
%
78
5.89
%
79
6.25
%
80
6.67
%
On the Income Benefit Date, if your initial annual maximum Income Payment is less than $100, the Income Benefit ends and you will have paid for the benefit without receiving any of its advantages.
For example, assuming a 4% Lifetime Income Percentage and Contract Value less than $2,500, this would result in an initial annual
                  maximum Income Payment of less than $100.
You can receive Income Payments monthly, quarterly, semi-annually, or annually. If the scheduled payment date does not fall on a Business Day, we make the payment on the next Business Day.
You can change your payment frequency once each Income Benefit Year while your Contract Value is positive. We must receive your request to change your Income Payment frequency in Good Order at our Service Center no later than five Business Days before the Income Benefit Anniversary. If the change is available, we implement it on the Income Benefit Anniversary and
                  it remains in effect until the benefit ends or you request another change. We do not accept payment frequency changes that would cause us to make payments of
                  $0.01 to $99.99.
The annual maximum Income Payment is the amount you are entitled to, but you can choose to take less. The annual actual Income Payment is the total amount you choose to receive each year. Each scheduled Income Payment you receive is equal to the annual actual Income Payment divided by the number of payments you chose to receive during the Income Benefit Year. Each
                  scheduled Income Payment must either be zero, or $100 or more. For example, you cannot request a scheduled payment of $50.
Any part of your annual maximum payment that you do not withdraw in a given Income Benefit Year is not added to the annual maximum payment available next year. However, if your actual Income Payment is less than your annual maximum payment, you can withdraw the difference and we consider that withdrawal to be an additional actual Income Payment, and
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not an Excess Withdrawal and not subject to a withdrawal charge. We do not consider a withdrawal to be an Excess Withdrawal until you have withdrawn the available annual maximum Income Payment amount. In addition, once we have paid out your annual maximum Income Payment we will not make any further scheduled Income Payments for the rest of the Income Benefit
                Year. For example, assume your annual maximum Income Payment is $2,000 and you take scheduled semi-annual Income Payments of $500. Within an Income Benefit
                Year, you can take an additional withdrawal of up to $1,000 and we consider that to be an additional scheduled Income Payment. If instead you withdraw $1,200
                after receiving the first $500 payment, we consider that withdrawal to be an additional scheduled Income Payment. On the date of the next scheduled Income Payment we will send you only $300 because that is the amount remaining from your $2,000 annual maximum. If you then took an additional withdrawal of $200 in that Income Benefit Year, we consider that $200 to be an Excess Withdrawal
                subject to a withdrawal charge.
If you would like to take less than the maximum available payment, you can change your payment amount once each Income Benefit Year while your Contract Value is positive. We must receive your request to change your Income Payment amount in Good Order at our Service Center no later than five Business Days before the Income Benefit Anniversary. If the change is
                  available, we implement it on the Income Benefit Anniversary and it remains in effect until the Income Benefit ends or you request another change.
If on a Business Day that we are deducting an Income Payment your Contract Value is less than the payment amount, we will add the difference between these amounts to your Contract Value and then deduct the Income Payment which will reduce your Contract Value to zero. If your Contract Value reduces to zero during the Income Period for any reason other than an Excess
                  Withdrawal or annuitization that does not convert your Income Payments to Annuity Payments, you will continue to receive your maximum available Income Payment
                  at the previous selected payment frequency until the earlier of the death of the Owner or last surviving Covered Person. If you select Increasing Income you
                  can continue to receive payment increases based on Index Option performance. However, if you select Level Income your Income Payments will no longer increase.
We deduct each Income Payment, Excess Withdrawal, and any additional payment resulting from a required minimum distribution, proportionately from the Index Options. While the Contract Value is positive you can make transfers between the Index Options and execute Performance Locks and Early Reallocations. If you select Increasing Income, once the Contract Value reduces to zero you can continue to change your Index Option allocations and execute Performance Locks and Early
                  Reallocations as long as the Income Benefit is in effect.
•
For Qualified Contracts:
If we calculate a required minimum distribution
                            (RMD) based on this Contract, after
making all Income Payments for the calendar year we determine
                            whether this calendar year's total RMD has been
satisfied by these payments and any Excess Withdrawals. If
                            the RMD amount for this Contract has not been satisfied,
we send you this remaining amount as one RMD payment by the
                            end of the calendar year. We consider this payment
to be a withdrawal, but it is not an Excess Withdrawal and it
                            is not subject to a withdrawal charge.
•
For annuitization:
If on the Annuity Date you are receiving Income
                            Payments and your Contract Value is positive,
we will convert your Income Payments to Annuity Payments if
                            you take Annuity Payments under Annuity Option B
or F. If you select any other Annuity Option, we will not
                            convert your Income Payments to Annuity Payments.
This
means that if you annuitize your Contract
                            you may receive less as Annuity Payments than you would have
received as Income Payments.
For more information, see section 8, The Annuity Phase – When Annuity Payments
Begin.
Lifetime Income Percentage Calculation Example
Assume you are the sole Owner, you are not married, and your initial Purchase Payment is $20,000. You only select 1-year Term Index Options. You are not married so you are also the only Eligible Person. The Income Payment waiting period is three Index Years. On the Index Effective Date you are age 54, your Income Percentage Increase is 0.25%, and your initial Lifetime
                  Income Percentages are equal to the Income Percentages for single payments, which are 4.20% for Level Income, and 3.20% for Increasing Income. You take no
                  withdrawals before requesting Income Payments.
On the first Index Anniversary we apply your first Income Percentage Increase. Your new Lifetime Income Percentages for single payments are 4.45% (4.20% + 0.25%) for Level Income and 3.45% (3.20% + 0.25%) for Increasing Income.
Assume you make an additional Purchase Payment of $2,000 in the fourth Index Year. On the fourth Index Anniversary:
•
you are age 58 and the Income Percentages are 4.60% for Level Income, and
                    3.60% for Increasing Income,
•
the Variable Account Value for the additional Purchase Payment is now
                    $2,002.50, and
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•
the Contract Value after application of the additional Purchase Payment,
                    Performance Credits and
before
deducting all Contract fees and expenses is $25,000.
We calculate your new Lifetime Income Percentages for single payments on the fourth Index Anniversary as follows.
•
Lifetime Income Percentages for the initial Purchase Payment are now 5.20%
                    (4.20% + (0.25% x 4)) for Level Income and 4.20% (3.20% + (0.25% x 4)) for Increasing Income.
•
Lifetime Income Percentages for the additional Purchase Payment are 4.60% for
                    Level Income and 3.60% for Increasing Income.
•
The Variable Account Value's percentage of total Contract Value is 8.01%
                    ($2,002.50 ÷ $25,000), which means the initial Purchase Payment is 91.99% of total Contract Value (100% - 8.01%).
The final Lifetime Income Percentages on the fourth Index Anniversary are then:
−
for Level Income: (5.20% x 91.99%) + (4.60% x 8.01%) = 4.78% + 0.37% = 5.15%
−
for Increasing Income: (4.20% x 91.99%) + (3.60% x 8.01%) = 3.86% + 0.29% =
                    4.15%
If you begin Income Payments on the fourth Index Anniversary we calculate the annual maximum Income Payment as follows.
If you select Level Income, you receive the
                            greater of….
If you select Increasing Income, you
                            receive…
• Level Income Guarantee Payment Percentage multiplied by
total Purchase Payments reduced proportionately for
withdrawals you took, or:
(2.71% x $22,000) = $596.20
• Lifetime Income Percentage multiplied by the Contract Value,
or: (5.15% x $25,000) =
$1,287.50
• Lifetime Income Percentage multiplied by the Contract Value,
or: (4.15% x $25,000) =
$1,037.50
We apply the Level Income Guarantee Payment Percentage in this calculation because you were 75 or younger when you purchased the Contract and are age 80 or younger on the Income Benefit Date. On the Income Benefit Date your Level Income Guarantee Payment Percentage based on your current age of 58 is 2.71%, and your total Purchase Payments reduced proportionately
                  for withdrawals is $22,000 (your $20,000 initial payment plus the $2,000 we received in the fourth Index Year). The annual maximum Income Payment calculation
                  and Level Income Guarantee Payment Percentage are discussed in "Calculating Your Income Payments" next in this section.
If you had not made the additional Purchase Payment your Lifetime Income Percentages would have been higher (5.20% compared to 5.15% for Level Income, and 4.20% compared to 4.15% for Increasing Income), but the available annual maximum Income Payment would be lower because the Contract Value would not include the increase from the additional Purchase Payment.
                  If you had not made the additional Purchase in the fourth Index Year your Contract Value would have been $22,997.50 ($25,000 - $2,002.50) and we calculate
                  your annual maximum Income Payment as follows.
If you select Level Income, you receive the
                            greater of….
If you select Increasing Income, you
                            receive…
• Level Income Guarantee Payment Percentage multiplied by
total Purchase Payments reduced proportionately for
withdrawals you took, or:
(2.71% x $20,000) = $542.00
• Lifetime Income Percentage multiplied by the Contract Value,
or: (5.20% x $22,997.50) =
$1,195.87
• Lifetime Income Percentage multiplied by the Contract Value,
or: (4.20% x $22,997.50) =
$965.90
Example of when the Level Income Guarantee Payment Percentage may increase the initial Income Payment
Assume you are the sole Owner, you are not married, and your initial Purchase Payment is $100,000. You are age 65 on the Index Effective Date and your initial Income Percentage under Level Income is 5.70% with a 0.40% Income Percentage Increase. You take no withdrawals before requesting Income Payments. You begin Income Payments on the
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fifth Index Anniversary and select the Level Income payment option. On the Income Benefit Date you are age 70, your Lifetime Income Percentage is 7.70% and your Level Income Guarantee Payment Percentage is 4.00%.
When it
increases
the initial Income Payment
When it does
not
increase the initial Income Payment
• Assume your Contract Value decreases to $50,000 due to
negative performance. You would receive the greater of:
–
Level Income Guarantee Payment Percentage multiplied
by total Purchase Payments reduced proportionately for
withdrawals you took, or:
(4.00% x $100,000) =
$4,000.00
–
Lifetime Income Percentage multiplied by the Contract
Value, or: (7.70% x $50,000) = $3,850
• Assume your Contract Value decreases to $70,000 due to
negative performance. You would receive the greater of:
–
Level Income Guarantee Payment Percentage multiplied
by total Purchase Payments reduced proportionately for
withdrawals you took, or:
(4.00% x $100,000) = $4,000.00
–
Lifetime Income Percentage multiplied by the Contract
Value, or: (7.70% x $70,000) =
$5,390
Please note that these examples may differ from your actual results due to rounding.
Excess Withdrawals
Excess Withdrawals include any applicable withdrawal charge, but do not include RMD payments, or amounts we deduct for other Contract fees and expenses. Any partial Excess Withdrawal must be for at least $100, and after the partial Excess Withdrawal the Contract Value must be at least $2,000. If the Contract Value is less than $2,000, you cannot request a partial Excess Withdrawal, but you can take a full Excess Withdrawal. If a partial Excess Withdrawal reduces the Contract Value to
                  less than $2,000, we require you to take a full Excess Withdrawal.
A full Excess Withdrawal will cause Income Payments to stop and the Contract
and all of its benefits
to end. We will
                  not provide a warning before you take an Excess Withdrawal, and there will be no opportunity to undo an Excess Withdrawal.
Excess Withdrawals reduce your annual maximum Income Payment on the next Income Benefit Anniversary after the withdrawal. For each Excess Withdrawal, we reduce your annual maximum payment by the same percentage that we reduced the Contract Value.
If partial Excess Withdrawals reduce your annual maximum Income Payment to less than $100, we send you the Cash Value,
which will cause Income Payments to stop and the Contract to end
.
Excess Withdrawal Example
These calculations show the effects of an Excess Withdrawal on the Contract Value, available Guaranteed Death Benefit Value, and Income Payments. Partial Excess Withdrawals (including any withdrawal charges, but not amounts we withdraw for other Contract fees and expenses) immediately reduce the Contract Value on a dollar for dollar basis, and reduce the
                  Guaranteed Death Benefit Value by the percentage of Contract Value withdrawn. Partial Excess Withdrawals also reduce the annual maximum Income Payment by the
                  percentage of Contract Value withdrawn on the next Income Benefit Anniversary. (The impact of withdrawals, including Excess Withdrawals, on the Charge Base is
                  included in Appendix C - Annual Contract Fees Calculation Examples.)
The example assumes an Excess Withdrawal of $5,000 to pay financial adviser fees when the Contract Value is $100,000, and the Guaranteed Death Benefit Value under the Traditional Death Benefit is $90,000, or $105,000 under the Maximum Anniversary Value Death Benefit. All fractional numbers in these examples have been rounded up to the next whole number.
Excess
Withdrawal
Contract
Value
Guaranteed Death Benefit
Value for a Contract with the
Traditional Death Benefit
Guaranteed Death Benefit Value
for a Contract with the
Maximum Anniversary Value
Death Benefit
Next anniversary's
annual maximum
Income Payment
Prior to withdrawal
$ 100,000
$ 90,000
$ 105,000
$ 4,800
$5,000 withdrawal
– ($5,000/ 100,000)
– ($5,000/ 100,000)
– ($5,000/ 100,000)
x 90,000)]
x 105,000)]
x 4,800)]
– $5,000
= - $4,500
= - $5,250
= - $240
After withdrawal
$ 95,000
$ 85,500
$ 99,750
$ 4,560
The death benefit is the greater of the Contract Value, or the Guaranteed Death Benefit Value. After the Excess Withdrawal, the death benefit would either be the $95,000 Contract Value under the Traditional Death Benefit (because it is greater than the Guaranteed Death Benefit Value of $85,500), or the $99,750 Guaranteed Death Benefit Value under the Maximum Anniversary Value Death Benefit.
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Automatic Annual Income Payment Increases
If you select Level Income, the available annual maximum Income Payment will increase only if your Contract Value increases from one Income Benefit Anniversary (or the Income Benefit Date if this is the first Income Benefit Anniversary) to the next and you took the maximum permitted payment during the prior Income Benefit Year. This increase is equal to the percentage of growth between these two Contract Values. For example, if the Contract Value increased by 1.5%, we also increase
                  your annual maximum Income Payment by 1.5%.
When calculating this payment increase we use the Contract Value determined at the end of the Business Day after we apply any Performance Credits (or Daily Adjustment if the Index Anniversary is not a Term End Date) and we deduct Contract fees and expenses, but before we make any Income Payments or deduct Excess Withdrawals taken on this Index Anniversary. If the
                  Income Benefit Date or an Income Benefit Anniversary does not occur on a Business Day, we use Contract Values from the next Business Day.
Lifetime Income Percentages on the Income Benefit Date generally will be higher with Level Income, as compared with Increasing Income. However, subsequent payment increases are less likely with Level Income, as compared with Increasing Income, especially in later Income Benefit Years. This is because only the Index Protection Strategy with Trigger and Index
                  Protection Strategy with Cap are available once Income Payments are selected, and those two Crediting Methods have the lowest return potential. If Index
                  Option performance is less than the total withdrawals, including Income Payments, Excess Withdrawals and deductions we make for Contract fees and expenses,
                  taken in an Index Year, there will be no increase in the annual maximum Income Payment for the Index Year under Level Income.
For example, if you receive Performance Credits of 2.5% on an Index Anniversary, but the deductions for Income Payments and Excess Withdrawals taken during the prior Index Year, and deductions we make for Contract fees and expenses both in the prior Index Year and on the current Index Anniversary reduce your Contract Value by -6.8% you will not receive a
                  payment increase under Level Income.
If we increase the Contract Value to equal the death benefit
                            due to a spousal continuation of the Contract during the last
Income Benefit Year, we also subtract the amount of this
                            increase from the Contract Value on the next Income Benefit
Anniversary when determining annual payment increases under
                            the Level Income payment option.
If you select Increasing Income, the available annual maximum Income Payments will increase on each Income Benefit Anniversary if your selected Index Option(s) receives a Performance Credit, or if you executed a Performance Lock on an increased Index Option Value at any time during the prior Income Benefit Year. Any Index Options that did not receive a Performance
                  Credit and were not locked during the prior Income Benefit Year will not affect the annual maximum Income Payment on the current Income Benefit Anniversary.
•
If you select multiple Index Options, we take the weighted average of all
                    Performance Credits, and locked increased Index Option Values based on the percentage of total Index Option Base in each of your selected Index Options to determine your payment increase as indicated in the example below. When calculating this payment increase we use the Index Option Base determined at the end of the Business Day
before
we apply any daily transactions (increases for Performance Credits or Daily Adjustments;
                    deductions for Income Payments, Excess Withdrawals, or Contract fees and expenses; or processing any Early Reallocations or transfers).
−
For Index Options where a Performance Lock was
not
executed during the prior Income Benefit
                    Year we use the percentage of total Index Option Base in each of these Index Options on the Income Benefit Anniversary. If the Income Benefit Anniversary does not occur on a Business Day, we use the Index Option Base from the next Business Day.
−
For Index Options where a Performance Lock
was
executed during the prior Income Benefit
                    Year we use the percentage of Index Option Base in each of these Index Options on the Business Day the Index Option is reallocated or transferred.
Payment increases can continue even if your Contract Value reduces to zero, or if you convert Income Payments to Annuity Payments as described in section 8, The Annuity Phase – When Annuity Payments Begin.
•
If you selected multiple Index Options, we take the weighted average of all
                    Performance Credits, and locked Daily Adjustments using the percentage of Contract Value in each Index Option either at the end of the prior Business Day before your Contract Value reduced to zero, or at the end of the Business Day on the Annuity Date if you convert Income Payments to Annuity Payments.
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•
We determine this Contract Value
after
we apply any Daily Adjustments (if this day is
not
a Term End Date) or Performance Credits (if this day
is
a Term End Date), and
after
we deduct any Income Payment, Excess Withdrawal, or Contract fees and expenses.
•
You can change the proportions that we use to calculate this weighted average
                    by submitting an authorized request to our Service Center.
Example (Increasing Income)
Assume your Contract Value is $100,000 and you allocate 20% to the Index Protection Strategy with Trigger using the S&P 500
®
Index and 80% to the Index Protection Strategy with the Cap using the EURO STOXX 50
®
on the Income Benefit
                  Date.
On the first Income Benefit Anniversary, the Index Protection Strategy with Trigger Index Option receives a 3.5% Performance Credit and the Index Protection Strategy with the Cap Index Option receives a 4.2% Performance Credit. On this anniversary, before we apply daily transactions, 20% of your total Index Option Base is in the Index Protection Strategy with
                  Trigger Index Option, and 80% of your total Index Option Base is in Index Protection Strategy with the Cap Index Option.
Your annual maximum Income Payment on the first Income Benefit Anniversary will increase by 4.06% ((3.5% x 20%) + (4.2% x 80%)).
Please see Appendix D for an example of how we calculate an automatic Income Payment increase if you execute a Performance Lock and Early Reallocation.
Income Multiplier Benefit
The Income Multiplier Benefit can increase the annual maximum Income Payment if you:
•
begin confinement after the first Contract Anniversary in an eligible facility
                    (a hospital, nursing facility, or assisted living facility) for at least 90 days in a 120-day period, or
•
are unable to perform at least two of six activities of daily living (ADLs)
                    for at least 90 consecutive days. ADLs include bathing, dressing, toileting, continence, eating, and transferring (moving into or out of a bed, chair, or
                    wheelchair).
We must receive proof of staying in an eligible facility or ADL eligibility before we multiply your annual maximum Income Payment by the income multiplier factor stated in the Income Benefit Supplement. For ADL eligibility we may require, at our expense, an examination or tests by a physician of our choice. To continue receiving this increase each Income Benefit
                  Year you must reestablish eligibility.
The Income Multiplier Benefit is not available before the Income Benefit Date, or before expiration of the income multiplier benefit wait period stated in the Income Benefit Supplement. In addition, a Covered Person cannot establish eligibility for this benefit more than one Index Year before the Income Benefit Date. Increased Income Payments based on staying in
                  an eligible facility are not available before the first Contract Anniversary. To qualify for a payment increase based on performance of ADLs, a Covered Person
                  must have been able to perform each of these six ADLs without substantial assistance on the Issue Date. If you chose to take less than the annual maximum
                  Income Payment and then qualify for a payment increase under the Income Multiplier Benefit, we will increase your Income Payments to the available annual maximum before applying the payment increase.
Example
Assume you elect to receive the maximum available payment under the Level Income payment option, your annual maximum Income Payment is $10,000, the income multiplier factor is 2, and the income multiplier benefit wait period is five Contract Years. After the fifth Contract Anniversary you suffer an illness and can't perform two of the six ADLs. At the time
                  of your illness, your annual maximum Income Payment is still $10,000 and your Contract Value is positive. After we confirm your benefit eligibility with your
                  physician, we increase your annual maximum Income Payment as follows:
(income multiplier factor) x (annual maximum Income Payment) = 2 x $10,000 = $20,000
This increase will allow you to receive up to $20,000 as an Income Payment for this Income Benefit Year, and the next Income Benefit Year. However, in the next Income Benefit Year your health improves and you are not able to reestablish benefit eligibility for the following Income Benefit Year. So on the second Income Benefit Anniversary after we increased your
                  payment, we decrease your annual maximum Income Payment as follows:
(annual maximum Income Payment) ÷ (income multiplier factor) = $20,000 ÷ 2 = $10,000
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When the Income Multiplier Benefit Ends
The Income Multiplier Benefit ends on the earliest of the following.
•
The Annuity Date.
•
The Income Benefit Anniversary that occurs on or immediately after the date
                    the Contract Value is reduced to zero.
•
The Business Day the Income Benefit ends.
•
The Business Day the Contract ends.
Taxation of Income Payments
We treat Income Payments as withdrawals for tax purposes while your Contract Value is positive, and once your Contract Value is reduced to zero we intend to treat Income Payments as Annuity Payments for tax purposes. For more information, see section 12, Taxes – Taxation of Income Payments.
When the Income Period Ends
The Income Period ends on the earlier of the last Business Day before the Annuity Date, or the date the Income Benefit ends. Income Payments can continue for the life of the Covered Person(s) if you do not take more than your allowed annual maximum payment.
When the Income Benefit Ends
The Income Benefit ends on the earliest of the following.
•
During the Accumulation Phase and before the Income Period, the Business Day
                    we process your request to remove this benefit from your Contract (the rider termination date).
•
The Business Day all Eligible Persons or Covered Persons are removed from the
                    Contract because they no longer meet the requirements (Owner, Annuitant or sole Beneficiary) stated in section 3. If this occurs after the Income Benefit Date, Income Payments stop when the last Covered Person is removed from the Contract.
•
The Index Anniversary upon which the younger Eligible Person reaches age 100
                    if it occurs before the Income Benefit Date.
•
The Business Day we process your request for a full withdrawal, other than a
                    full withdrawal caused by an Income Payment.
•
The Income Benefit Date or an Income Benefit Anniversary if the annual
                    maximum Income Payment is less than $100.
•
Upon the death of an Owner (or Annuitant if the Owner is a non-individual),
                    the end of the Business Day we first receive a Valid Claim from any one Beneficiary. However, if a federally recognized spouse is an Eligible Person or Covered Person and continues this Contract, the Income Benefit also continues.
•
During the Accumulation Phase and before the Income Benefit Date, the Income
                    Benefit ends on the date of death of the last surviving Eligible Person.
•
During the Income Period, the Income Benefit ends on the date of death of the
                    last surviving Covered Person.
•
The Business Day the Contract ends.
If we receive notice of death of a Covered Person during the
                            Income Period we will suspend Income Payments and the
Income Benefit will end as described above. However, if a
                            federally recognized spouse who is also a joint Covered
Person continues this Contract, we will resume Income
                            Payments and add any Income Payments that we would have
paid between the time we suspended Income Payments and when
                            they resume to future Income Payments.
11.
Death Benefit
"You" in this section refers to the Owner, or the Annuitant if the Contract is owned by a non-individual.
The Contract provides the Traditional Death Benefit, the standard death benefit, for no additional charge. If available, you can instead select the optional Maximum Anniversary Value Death Benefit at Contract issue for an additional rider fee if all Owners and the Annuitant are age 75 or younger. The Maximum Anniversary Value Death Benefit can only be added to a Contract at issue.
The Maximum Anniversary Value Death Benefit cannot be less than the Traditional Death Benefit, but they may be equal. Please discuss this benefit's appropriateness with your Financial Professional.
The death benefit is the greater of the Contract Value, or Guaranteed Death Benefit Value.
                  The Guaranteed Death Benefit
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Value is either total Purchase Payments reduced proportionately for withdrawals you take (including any withdrawal charge) if you select the Traditional Death Benefit, or the Maximum Anniversary Value if you select the Maximum Anniversary Value Death Benefit.
The death benefit is only available during the Accumulation Phase (and Income Period, if applicable).
If you or the Determining Life (Lives) die during the Accumulation Phase, we process the
                  death benefit using prices determined after we receive the required information, which is either a Valid Claim or due proof of death as stated here. (For
                  information on due proof of death see the Glossary – Valid Claim). If we receive this information at or after the end of the current Business Day, we use the next Business Day's prices.
If there are multiple Beneficiaries, each Beneficiary receives the portion of the death benefit he or she is entitled to when we receive his or her Valid Claim. If a Beneficiary dies before you or the Designated Life, that Beneficiary's interest in this Contract ends unless your Beneficiary designation specifies otherwise. If there are no remaining Beneficiaries, or no named Beneficiaries, we pay the death benefit to your estate, or if the Owner is a non-individual, to the Owner. Unless you instruct
                  us to pay Beneficiaries a specific percentage of the death benefit, each Beneficiary receives an equal share.
Each Beneficiary's portion of the death benefit remains in the Index Options based on the allocation instructions that were in effect on the date of death until we receive his or her Valid Claim and we either pay the claim or the Beneficiary provides alternate allocation instructions. If there is Variable Account Value in the Variable Option on the date of death, it remains
                  there until the next Index Anniversary. If an Index Anniversary occurs before we receive a Valid Claim, we will transfer that Beneficiary's portion of the
                  Variable Account Value to the Index Options based on the allocation instructions that were in effect on the date of death.
From the time we determine the death benefit until we make a complete distribution, any amount in the Index Options and the Variable Option continues to be subject to investment risk that is borne by the recipient(s). Once we receive notification of death, we may no longer accept or process transfer requests. After we receive the first Valid Claim from any Beneficiary,
                  we also will not accept additional Purchase Payments or allow any partial or full withdrawals unless the withdrawal is required to comply with federal tax
                  law.
On the first death of a Determining Life during the Accumulation Phase, if your selected death benefit is in effect, your Beneficiary(ies) will receive the greater of the Contract Value or Guaranteed Death Benefit Value. The Guaranteed Death Benefit Value is either total Purchase Payments reduced proportionately for withdrawals you take (including any withdrawal charge)
                  if you select the Traditional Death Benefit, or the Maximum Anniversary Value if you select the Maximum Anniversary Value Death Benefit. For example, assume
                  total Purchase Payments are $90,000, you take no withdrawals, the highest Contract Value on any Index Anniversary (the Maximum Anniversary Value) is $105,000,
                  and the current Contract Value is $100,000. The death benefit for the Traditional Death Benefit is the $100,000 Contract Value, and for the Maximum Anniversary Value Death Benefit it is the $105,000 Maximum Anniversary Value.
If the date we are determining the death benefit is not the Term End Date, the Contract Value reflects the Daily Adjustment. Withdrawals you take reduce your Guaranteed Death Benefit Value by the percentage of Contract Value withdrawn (including any withdrawal charge), determined at the end of each Business Day.
All
                  withdrawals you take reduce the Guaranteed Death Benefit Value and Contract Value, even Penalty-Free Withdrawals, and
                  financial adviser fees that you choose to have us pay from this Contract.
However, we do not reduce the Guaranteed Death Benefit Value for deductions we make for
                  Contract fees and expenses.
Deductions for Contract fees and expenses will, however, decrease the Contract Value by the dollar amount withdrawn and reduce the likelihood of receiving increases to the Maximum
                  Anniversary Value
.
In addition, because the
                  death benefit is the greater of Contract Value, or the Guaranteed Death Benefit Value, deductions we make for Contract fees
                  and expenses may reduce the death benefit available to your Beneficiaries.
Examples of the impact of deductions for financial adviser fees that you choose to have us pay from the Contract on the death benefit are included in section 1. The impact of an Excess Withdrawal on the death benefit is included in section 10.
Maximum Anniversary Value
The Maximum Anniversary Value is initially equal to the Purchase Payment received on the Issue Date. At the end of each Business Day, we adjust the Maximum Anniversary Value as follows.
•
We increase it by the dollar amount of any additional Purchase Payments.
•
We reduce it by the percentage of any Contract Value you withdraw (including
                    any withdrawal charge).
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If the Index Effective Date occurs after the Issue Date, the Maximum Anniversary Value on the Index Effective Date is calculated in the same way as on an Index Anniversary.
On each Index Anniversary before the end date (or on the next Business Day if the Index Anniversary is not on a Business Day) the Maximum Anniversary Value is equal to the greater of:
•
its current value after processing any additional Purchase Payments, or
                    withdrawals you take (including any withdrawal charge), or
•
the Contract Value determined at the end of the Business Day after we process
                    all daily transactions including Performance Credits, any additional Purchase Payments, withdrawals you take including any withdrawal charges, and deductions we make for other Contract fees and expenses. Contract Value reflects the Daily Adjustment for an Index Option for which this anniversary is not a Term End Date.
Negative Index Option performance,
                    withdrawals you take, and deductions we make for Contract fees or expenses decrease the Contract Value and reduce the
                    likelihood of receiving increases to the Maximum Anniversary Value.
On and after the end date, we no longer make this comparison and we no longer capture any annual investment gains in the Maximum Anniversary Value.
The end date occurs on the earliest of:
•
the older Determining Life's 91st birthday, or
•
the end of the Business Day we receive the first Valid Claim from any one
                    Beneficiary.
Example
Contract
Value
Maximum Anniversary Value
Issue Date
$ 100,000
$ 100,000
1
st
Index Anniversary
$ 110,000
$ 110,000
2
nd
Index Anniversary
$ 95,000
$ 110,000
3
rd
Index Anniversary
$ 105,000
$ 110,000
4
th
Index Anniversary
$ 120,000
$ 120,000
•
On the Issue Date the Maximum Anniversary Value is equal to the initial
                    Purchase Payment of $100,000.
•
On the 1st Index Anniversary the Contract Value is greater than the Maximum
                    Anniversary Value, so the Maximum Anniversary Value increases to equal the Contract Value of $110,000.
•
On the 2nd and 3rd Index Anniversaries the Contract Value is less than the
                    Maximum Anniversary Value, so we neither increase nor decrease the Maximum Anniversary Value. The Maximum Anniversary Value will stay at $110,000 until the Contract Value on an Index Anniversary is greater than this amount or you make an additional Purchase Payment (either of which will increase the Maximum Anniversary Value), or you take a withdrawal (which will decrease the Maximum Anniversary
                    Value).
•
On the 4th Index Anniversary the Contract Value is greater than the Maximum
                    Anniversary Value, so the Maximum Anniversary Value increases to equal the Contract Value of $120,000.
During the Income Period:
•
You cannot make additional Purchase Payments. If your Contract includes the Traditional Death Benefit this means
the Guaranteed Death Benefit Value no longer increases.
•
Index Dual Precision Strategy, Index Precision Strategy, Index Performance Strategy, and Index Guard Strategy are
no longer available. This may limit your Contract's
                            performance potential and the Guaranteed Death Benefit Value if
your Contract includes the Maximum Anniversary Value Death
                            Benefit. Income Payments and Excess Withdrawals
also decrease your Contract Value, which also reduces the
                            likelihood of locking in investment gains to the
Guaranteed Death Benefit Value if your Contract includes the
                            Maximum Anniversary Value Death Benefit.
•
Each Income Payment and any Excess Withdrawal reduces the Guaranteed Death Benefit Value by the percentage of
Contract Value withdrawn (including any withdrawal charge)
, which means this value may be reduced by more than
the amount withdrawn
.
Taking
                            Excess Withdrawals may also cause your selected death benefit to end
prematurely.
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What Happens Upon Death?
If you are the Determining Life, or if you and the Determining Life (Lives) are different individuals and die within 120 hours of each other, we determine the Guaranteed Death Benefit Value at the end of the Business Day we receive a Valid Claim. For multiple Beneficiaries, each surviving Beneficiary receives the greater of their portion of the:
•
Guaranteed Death Benefit Value determined at the end of the Business Day we
                    receive the first Valid Claim from any one Beneficiary, or
•
Contract Value determined at the end of the Business Day during which we
                    receive his or her Valid Claim.
In this instance, if the Beneficiary:
−
is a surviving spouse and chooses to continue the Contract;
−
selects death benefit payment Option B; or
−
selects death benefit payment Option C and takes payment over a period not
                    extending beyond the Beneficiary's life expectancy;
we increase the Contract Value to equal the Guaranteed Death Benefit Value if greater when we receive a Valid Claim.
If you and the Determining Life (Lives) are different individuals and do not die within 120 hours of each other, the death benefit is as follows.
This can only occur if you change
                  the Owner after the Issue Date.
•
If a Determining Life dies before you, we do not pay a death
                    benefit to the Beneficiary(ies), but we may increase the Contract Value if the Traditional Death Benefit or Maximum Anniversary Value Death
                    Benefit are still in effect
. At the end of the Business Day
                    we receive due proof of a Determining Life's death, we increase the Contract Value to equal the Guaranteed Death Benefit Value if greater,
and your selected death benefit ends
.
•
Upon your death, your Beneficiary(ies) receive the Contract Value determined
                    at the end of the Business Day during which we receive each Beneficiary's Valid Claim.
Upon the death of a Determining Life, if we increase the Contract Value to equal the Guaranteed Death Benefit Value, we allocate this increase to the Variable Option. On the next Index Anniversary we transfer the Variable Account Value to the Index Options according to the allocation instructions.
The Traditional Death Benefit and Maximum Anniversary Value Death Benefit end upon the earliest of the following.
•
The Business Day before the Annuity Date.
•
The Business Day that the Guaranteed Death Benefit Value and Contract Value
                    are both zero.
•
Upon the death of a Determining Life, the end of the Business Day we receive
                    a Valid Claim from all Beneficiaries if you and the Determining Life are the same individuals, or if you and the Determining Life (Lives) are different individuals and die within 120 hours of each other.
•
Upon the death of a Determining Life, the end of the Business Day we receive
                    due proof of the Determining Life's death if you and the Determining Life (Lives) are different individuals and do not die within 120 hours of each other.
•
Upon the death of an Owner (or Annuitant if the Owner is a non-individual),
                    the end of the Business Day we receive the first Valid Claim from any one Beneficiary, if the Owner (or Annuitant) is no longer a Determining Life.
•
The Business Day the Contract ends.
We base the Guaranteed Death Benefit Value on the first
                            death of a Determining Life (or Lives). This means that upon
the death of an Owner (or Annuitant if the Owner is a
                            non-individual),
if a surviving spouse continues the Contract:
•
the Guaranteed Death Benefit Value is no longer available, and
•
if you selected the Maximum Anniversary Value Death Benefit, we no longer assess its 0.20% rider fee.
Also, if you and the
                            Determining Life (Lives) are different individuals and you die first, the Guaranteed Death Benefit
Value is not available to
                            your Beneficiary(ies).
Death of the Owner and/or Annuitant
Appendix A to the Form N-4 SAI includes tables that are intended to help you better understand what happens upon the death of any Owner and/or Annuitant under the different phases of the Contract.
Death Benefit Payment Options During the Accumulation Phase
Each Beneficiary must select one of the death benefit payment options listed below.
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If a Beneficiary requests a lump sum payment under Option A, we pay that Beneficiary within seven days of receipt of his or her Valid Claim, unless the suspension of payments or transfers provision is in effect. Payment of the death benefit may be delayed, pending receipt of any state forms.
Spousal Continuation:
If the Beneficiary is
                  the deceased Owner's spouse, he or she can choose to continue the Contract with the portion of the death benefit the spouse is entitled to in his or her own
                  name. For an IRA, Roth IRA, or SEP IRA Contract, spousal continuation can only occur if the surviving spouse is the Contract's sole primary Beneficiary. For Qualified Contracts purchased through a qualified plan and non-individually owned Contracts, spousal continuation is only available to Qualified Contracts through a direct rollover to an IRA.
Spouses
                  must qualify as such under federal law to continue the Contract.
Individuals who have entered into a registered domestic partnership, civil union, or other similar relationship that is not considered
                  to be a marriage under state law are also not considered to be married under federal law. An election by the spouse to continue the Contract must be made on
                  the death claim form before we pay the death benefit. If the deceased Owner was a Determining Life and the surviving spouse Beneficiary continues the
                  Contract, at the end of the Business Day we receive his or her Valid Claim, we increase the Contract Value to equal the Guaranteed Death Benefit Value if greater and available, and your selected death benefit ends. If the surviving spouse continues the Contract:
•
he or she becomes the new Owner and may exercise all of the Owner's rights,
                    including naming a new Beneficiary or Beneficiaries;
•
he or she is subject to any remaining withdrawal charge; and
•
upon the surviving spouse's death, their Beneficiary(ies) receive the
                    Contract Value determined at the end of the Business Day during which we receive a Valid Claim from each Beneficiary.
Death Benefit Payment Options
The following applies to Non-Qualified Contracts. Different rules may apply to Qualified Contracts. For more information, please see section 12, Taxes – Distributions Upon the Owner's Death (or Annuitant's Death if the Owner is a Non-Individual).
Option A:
Lump sum payment of the death
                  benefit.
Option B:
Payment of the entire death benefit
                  within five years of the date of any Owner's death. The Beneficiary can continue to make transfers between Index Options and is subject to the product fee.
Option C:
If the Beneficiary is an
                  individual, payment of the death benefit as Annuity Payments under Annuity Options A, B, or C. If you take the death benefit as Annuity Payments, we do not
                  require that the Annuity Date occur on an Index Anniversary. With our written consent other options may be available for payment over a period not extending
                  beyond the Beneficiary's life expectancy under which the Beneficiary can continue to make transfers between Index Options and is subject to the product fee.
Distribution from Non-Qualified Contracts under Option C must begin within one year of the date of the Owner's death. Any portion of the death benefit from Non-Qualified Contracts not applied to Annuity Payments within one year of the date of the Owner's death must be distributed within five years of the date of death.
If a Non-Qualified Contract is owned by a non-individual, then we treat the death of an Annuitant as the death of an Owner for purposes of the Code's distribution at death rules, which are set forth in Section 72(s) of the Code.
In all events, notwithstanding any provision to the contrary in the Contract or this prospectus, a Non-Qualified Contract is interpreted and administered in accordance with Section 72(s) of the Code.
12.
Taxes
This section provides a summary explanation of the tax ramifications of purchasing a Contract.
We do not provide individual tax advice. You should
                  contact your tax adviser to discuss this Contract's effects on your personal tax situation.
Annuity Contracts in General
Annuity contracts are a means of setting aside money for future needs – usually retirement. Congress recognized the importance of saving for retirement and provided special rules in the Code for annuities.
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There are different rules regarding how you will be taxed, depending upon how you take the money out and whether the annuity is Qualified or Non-Qualified. Generally, any taxable distribution is subject to income taxes at ordinary income tax rates (instead of capital gains rates).
You can purchase either a Qualified Contract or a Non-Qualified Contract.  If you do not purchase one of the various types of Qualified Contracts described in this section, the Contract is referred to as a Non-Qualified Contract.
This prospectus does not address specific state tax laws. You should discuss state taxation with your tax adviser.
Qualified Contracts
If you purchase the Contract as an IRA, Roth IRA, SEP IRA, or to fund a qualified retirement plan, the Contract is referred to as a Qualified Contract. Qualified Contracts are subject to certain restrictions under the Code, including restrictions on the amount of annual contributions, restrictions on how much you can earn and still be able to contribute to a Qualified Contract, and specialized restrictions on withdrawals. Qualified Contracts must be purchased from earned income from the relevant year or years, or from a rollover or transfer from a qualified contract. An IRA to IRA indirect rollover can occur only once in any twelve-month period from all of the IRAs you currently own. Adverse tax consequences may result if contributions, distributions, and transactions in connection with the Qualified Contract do not comply with the law.
A Qualified Contract funded by an annuity does not provide any additional tax deferral. However, the Contract has features and benefits other than tax deferral that may make it appropriate for an IRA or qualified retirement plan. You should consult your tax adviser regarding these features and benefits before purchasing a Qualified Contract.
We may issue the following types of Qualified Contracts to an individual. Purchasers of a Contract for use with IRAs have the right to revoke their purchase within seven days of the earliest of the establishment of the IRA, or their purchase.
•
IRA (traditional IRA).
Section 408 of the Code permits eligible individuals to fund IRAs. IRA contributions are limited each year to the lesser of a dollar amount specified in the Code or 100% of the amount of earned income included in the Owner's
                    income. Contributions may be tax deductible based on the Owner's income. Contributions must be made in cash. The limit on the amount contributed to an IRA
                    does not apply to distributions from certain other types of IRAs or qualified retirement plans that are transferred or rolled over on a tax-deferred basis
                    into an IRA.
•
Roth IRA.
Section 408A of the Code permits certain eligible individuals to contribute to a Roth IRA. Contributions to a Roth IRA are limited each year to the lesser of a dollar amount specified in the Code or 100% of the amount of earned income included
                    in the Owner's income. Contributions are also limited or prohibited if the Owner's income is above certain limits. Contributions must be made in cash. The
                    limit on the amount contributed to a Roth IRA does not apply to distributions from certain other types of IRAs or qualified retirement plans that are
                    transferred or rolled over (conversion) into a Roth IRA.
Conversions to a Roth IRA from an IRA or other eligible qualified retirement plan are permitted regardless of an individual's income. A conversion to a Roth IRA results in a taxable event, but not a 10% additional federal tax for early withdrawal if certain qualifications are met (please consult your tax adviser for more details).
•
SEP IRA
. Employers may establish SEP IRAs under Code Section 408(k) to provide IRA contributions on behalf of their employees. In addition to all of the general rules governing IRAs, such plans are subject to additional requirements and
                    different contribution limits.
We may issue the following type of Qualified Contract to a qualified retirement plan.
•
Qualified Retirement Plans: Pension and
                    Profit-Sharing Plans.
A qualified plan is a retirement or pension plan that meets
                    the requirements for tax qualification under the Code. Sections 401(a) and 401(k) of the Code permit employers, including self-employed individuals, to
                    establish various types of retirement plans for employees. These retirement plans may permit the purchase of the Contracts to provide benefits under the
                    plan. Contributions to the plan for the benefit of employees are not included in the gross income of the employee until distributed from the plan. The tax consequences to participants may vary, depending upon the particular plan design. Participant loans are not allowed under the Contracts purchased in connection with these plans.
If the Contract is purchased for a qualified plan under Section 401 of the Code, the plan is both the Owner and the Beneficiary. The authorized signatory, plan administrator, or plan trustee for the plan must make representations to us that the plan is qualified under the Code on the Issue Date and is intended to continue to be qualified for the entire Accumulation
                  Phase of the Contract, or as long as the qualified plan owns the Contract. The qualified plan may designate a third party administrator to act on its behalf.
                  All tax reporting is the responsibility of the plan. In the event the qualified plan instructs us to roll the plan assets into an IRA for the Annuitant under
                  this Contract, we change the
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qualification type of the Contract to an IRA and make the Annuitant the Owner. The qualified plan is
                responsible for any reporting required for the rollover transactions out of the plan. We are responsible for any reporting required for the Contract as an IRA.
Purchasers of Contracts for use with pension or profit-sharing plans should obtain competent tax advice as to the tax treatment and suitability of holding an annuity within a plan.  Because of the minimum Purchase Payment requirements, these Contracts may not be appropriate for some retirement plans that are funded on a periodic basis. Owners, Annuitants
                  and Beneficiaries are cautioned that benefits under a Qualified Contract may be subject to the terms and conditions of the plan regardless of the terms and
                  conditions of the Contracts issued pursuant to the plan. Some retirement plans are subject to distribution and other requirements that are not incorporated
                  into our administrative procedures. We are not bound by the terms and conditions of such plans to the extent such terms conflict with the terms of a Contract, unless we specifically consent to be bound. Owners, participants, and Beneficiaries are responsible for determining that contributions, distributions and other transactions with respect to the Contracts comply with
                  applicable law. We may choose not to allow pension or profit-sharing plans to purchase this Contract.
Summary of Individuals and Entities That Can Own a Qualified Contract
Currently, we offer the following types of Qualified Contracts.
Type of Contract
Persons and Entities that can own the Contract
IRA
Must have the same individual as Owner and Annuitant.
Roth IRA
Must have the same individual as Owner and Annuitant.
SEP IRA
Must have the same individual as Owner and Annuitant.
Certain Code Section 401 Plans
A qualified retirement plan is the Owner and the Annuitant must be an individual
                            who is a
participant in the plan. If the qualified retirement plan is a defined benefit
                            plan, the individual must
be the only participant in the plan.
We may determine which types of qualified retirement plans are eligible to
                            purchase this Contract.
Non-Qualified Contracts
You can instead purchase a Non-Qualified Contract, which is not qualified pursuant to a specialized provision of the Code.  There are no Code restrictions on annual contributions to a Non-Qualified Contract or how much you can earn and still contribute to a Contract.
Non-Qualified Contracts Owned by Non-Individuals
When a Non-Qualified Contract is owned by a non-individual (other than a trust holding the Contract as an agent for an individual), the Contract is not generally treated as an annuity for tax purposes. This means that the Contract may not receive the benefits of tax deferral and any Contract earnings may be taxable every year.
Taxation of Withdrawals
When you take money out of a Contract, we may deduct premium tax that we pay on your Contract. This tax varies from 0% to 3.5%, depending on your state. Currently, we pay this tax and do not pass it on to you.
Section 72 of the Code governs taxation of annuities in general. An Owner is generally not taxed on increases in the value of a Contract until a distribution occurs, either in the form of withdrawals or as Annuity Payments.
For a full withdrawal (total redemption), a partial withdrawal, or a death benefit, the recipient is taxed on the portion of the payment that exceeds your investment in the Contract (often referred to as cost basis). For Non-Qualified Contracts, this cost basis is generally the Purchase Payments, while for Qualified Contracts there is generally no cost basis, which means the withdrawal is fully taxable, except for qualified distributions from Roth IRAs and IRAs where you have separately tracked and reported any after-tax contributions that you have made.
For Non-Qualified Contracts, the taxable portion of a partial withdrawal is the portion of the payment considered to be gain in the Contract (for example, the difference, if any, between the Contract Value immediately before the withdrawal, unreduced by any withdrawal charges, and the Contract's cost basis). The withdrawals are generally taxed as though you were paid
                  taxable earnings first, and then as a non-taxable return of Purchase Payments.
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Distributions from a Roth IRA generally are not subject to income tax if the Roth IRA has been held for five years
                (starting with the year in which the first contribution is made to any Roth IRA) and the Owner satisfies a triggering event such as attaining age 59
1
∕
2
, death,
                disability or a first time homebuyer (subject to a $10,000 lifetime limit).
Distribution before satisfying the five year period or triggering event requirement may subject the distribution to taxation. Please be aware that each Roth IRA conversion has its own five year holding period requirement for purposes of determining if the 10% additional federal tax described below applies.
10% Additional Federal Tax
Withdrawals (whether partial or full) and Annuity Payments taken before age 59
1
∕
2
are subject to a 10% additional federal tax unless an exception applies. The exceptions are
                  different for Qualified Contracts and Non-Qualified Contracts, and are also different for IRAs and qualified plans. If the Contract is jointly owned, we send
                  each Joint Owner a check for half of the withdrawal amount and we tax report that Joint Owner individually.
Tax reporting each Joint Owner individually can create a discrepancy in taxation if only one Joint Owner is under age 59
1
∕
2
because that Joint
                  Owner may
be subject to the 10% additional federal tax.
Exceptions to the 10% Additional Federal Tax for Qualified Contracts
1)
distributions made on or after the date you (or the Annuitant as applicable)
                    reach age 59
1
∕
2
;
2)
distributions following your death or disability (or the Annuitant as
                    applicable) (for this purpose disability is as defined in Section 72(m)(7) of the Code);
3)
distributions paid in a series of substantially equal payments made annually
                    (or more frequently) for your life (or life expectancy) or joint lives of you and your designated Beneficiary;
4)
distributions made to you after separation from service after reaching age
                    55 (does not apply to IRAs);
5)
distributions made to you to the extent such distributions do not exceed the
                    amount allowed as a deduction under Code Section 213 for amounts paid during the tax year for medical care;
6)
distributions made on account of an IRS levy upon the Qualified Contract;
7)
distributions from an IRA for the purchase of medical insurance (as
                    described in Section 213(d)(1)(D) of the Code) for you and your spouse and dependents if you have received unemployment compensation for at least 12 weeks
                    (this exception will no longer apply after you have been re-employed for at least 60 days);
8)
distributions from an IRA made to you, to the extent such distributions do
                    not exceed your qualified higher education expenses (as defined in Section 72(t)(7) of the Code) for the tax year;
9)
distributions from an IRA which are qualified first-time homebuyer
                    distributions (as defined in Section 72(t)(8) of the Code);
10)
distributions made to an alternate Payee pursuant to a qualified domestic
                    relations order (does not apply to an IRA);
11)
distributions made to a reservist called to active duty after September 11,
                    2001, for a period in excess of 179 days (or for an indefinite period), from IRAs or amounts attributable to elective deferrals under a 401(k) plan made
                    during such active period;
12)
distributions that are corrective distributions (and associated earnings) of
                    excess contributions, excess aggregate contributions and excess deferrals, made timely;
13)
distributions made during the payment period starting on the birth of a
                    child or the finalization of an adoption (up to $5,000);
14)
distributions that are qualified disaster recovery distributions;
15)
distributions due to having a terminal illness;
16)
distributions that are emergency personal expense distributions up to $1,000
                    after December 31, 2023; and
17)
distributions that are eligible distributions as a domestic abuse victim,
                    not to exceed the lesser of $10,000 or 50% of the IRA or qualified plan vested benefit value, after December 31, 2023.
With respect to (13) through (17) above, a qualified birth or adoption distribution, a qualified disaster recovery distribution, a terminal illness distribution, an emergency personal expense distribution and an eligible distribution as a domestic abuse victim may each be repaid any time within the 3-year period from the date the distribution was received in one or more contributions into an IRA or qualified retirement plan (if you are eligible to make a contribution to the qualified retirement plan).
                  The repayment contribution will be treated as a rollover into the IRA or qualified retirement plan.
With respect to (3) above, if the series of substantially equal periodic payments is modified before the later of the Annuitant attaining age 59
1
∕
2
or the close
                  of the five year period that began on the date the first payment was received, then
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the tax for the year of the modification is increased by the 10% additional federal tax, plus interest for the tax years in
              which the exception was used. A partial withdrawal, or prior to January 1, 2024, a partial transfer, or partial rollover taken after a series of substantially equal periodic payments has begun will result in the modification of the series of substantially equal payments and therefore will result in the imposition of the 10% additional federal tax and interest for the period as described above. You should obtain competent tax advice before you take any partial withdrawals from your Contract. Adding Purchase Payments to a Contract that is making substantially equal periodic payments will also result in a modification of the
                payments.
For 2020 only, the Coronavirus Aid, Relief, and Economic Security (CARES) Act, permitted corona-virus related distributions from Qualified Contracts and IRAs up to an aggregate amount of $100,000. This type of distribution was an exception to the 10% additional federal tax. To qualify for the distribution, generally you, your spouse, or dependent had to have
                  been diagnosed with the virus, or you had to have been affected economically in certain ways because of the virus. The tax associated with the distributions
                  may be paid ratably over three years, beginning with the 2020 tax year. The CARES Act also allows you to recontribute the amount you withdrew to an eligible
                  retirement plan (to which you can make a rollover contribution) in one or more payments within three years.
Exceptions to the 10% Additional Federal Tax for Non-Qualified Contracts
1)
paid on or after you reach age 59
1
∕
2
;
2)
paid after you die;
3)
paid if you become totally disabled (as that term is defined in Section
                    72(m)(7) of the Code);
4)
paid in a series of substantially equal payments made annually (or more
                    frequently) for your life (or life expectancy) or joint lives of you and your designated Beneficiary;
5)
paid as annuity payments under an immediate annuity; or
6)
that come from Purchase Payments made before August 14, 1982.
With respect to (4) above, if the series of substantially equal periodic payments is modified before the later of your attaining age 59
1
∕
2
or the close
                  of the five year period that began on the date the first payment was received, then the tax for the year of the modification is increased by the 10%
                  additional federal tax, plus interest, for the tax years in which the exception was used. A partial withdrawal or prior to January 1, 2024, a partial 1035
                  exchange taken after a series of substantially equal periodic payments has begun will result in the modification of the series of substantially equal payments and therefore will result in the imposition of the 10% additional federal tax and interest for the period as described above. Adding Purchase Payments to a Contract that is making substantially equal periodic payments will also result in a
                  modification of the payments.
Non-Qualified Annuity Medicare Tax
Distributions from Non-Qualified Contracts are considered investment income for purposes of the Medicare tax on investment income. Thus, in certain circumstances, a 3.8% tax may apply to some or all of the taxable portion of distributions (e.g. earnings) to individuals whose income exceeds certain threshold amounts ($200,000 for filing single, $250,000 for
                  married filing jointly and $125,000 for married filing separately.) This tax does not apply to distributions from Qualified Contracts. Please consult a tax
                  adviser for more information.
Payments for Financial Adviser Fees
Any financial adviser fees that you choose to have us pay from this Contract to your Financial Professional or Financial Professional's firm may result in a taxable distribution.
Please
                  consult with your Financial Professional before requesting us to pay financial adviser fees from this Contract rather than
                  from other assets you may have.
RMDs From Qualified Contracts
Distributions from a Qualified Contract must commence no later than the required beginning date. For Roth IRAs, no distributions are required during the Owner's lifetime. For IRAs other than Roth IRAs, the required beginning date is April 1 of the calendar year following the year in which you attain age 73. If you reached age 70
1
∕
2
on or before December 31, 2019, then age 70
1
∕
2
applies instead of age 73. If you reached age 72 on or before December 31, 2022, then age 72 applies instead of age 73. If you reach age 74 after December 31, 2032, then age 75 applies instead of age 73. Under a qualified plan or 403(b), the required beginning date is generally April 1 of the calendar year following the later of the calendar year in which you reach the age noted for IRAs above or retire.
Generally, RMDs must be made over a period not exceeding the life or life expectancy of the individual or the joint lives or life expectancies of the individual and his or her designated Beneficiary. If the RMDs are not made, a 25% excise tax is
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imposed as to the amount not distributed. If you are attempting to satisfy these rules through partial withdrawals, the present value of future benefits provided under the Contract may need to be included in calculating the amount required to be distributed. If you enroll in our minimum distribution program, we make RMD payments to you that are designed to meet this Contract's RMD requirements.
Diversification
Code Section 817(h) and accompanying Treasury Department Regulations impose diversification standards on the assets underlying variable annuity contracts. The Code provides that a variable annuity contract cannot be treated as an annuity contract for any period during which its investments are not adequately diversified as required by the United States Treasury Department. If the Contract no longer qualifies as an annuity contract, you would be subject to federal income tax each
                  year with respect to Contract earnings accrued. We intend to manage all available Index Options, and we intend that all available underlying funds be managed
                  by the investment advisers so that they comply with these diversification standards.
Owner Control
The Treasury Department has indicated that the diversification regulations do not provide guidance regarding the circumstances in which an Owner's control of the Separate Account's investments may cause the Owner to be treated as the owner of the Separate Account's assets, which would cause the Contract to lose its favorable tax treatment. In certain circumstances,
                  variable annuity contract owners have been considered for federal income tax purposes to be the owners of the separate account's assets, due to their ability
                  to exercise investment control over those assets. In this case, the contract owners have been currently taxed on income and gains attributable to the variable
                  account assets. There is little guidance in this area and some of our Contract's features, such as the flexibility of an Owner to allocate Purchase Payments
                  and transfer amounts among any available variable investment options, have not been explicitly addressed in published rulings. While we believe that the Contracts do not give Owners investment control over Separate Account assets, we reserve the right to modify the Contracts as necessary to prevent an Owner from being treated as the owner of the Separate Account assets.
Taxation of Income Payments
We treat Income Payments as withdrawals for tax purposes while your Contract Value is positive. This means that, for Non-Qualified Contracts,
gains from the entire Contract are considered to
                  be distributed first and are subject to ordinary income tax.
Purchase Payments are distributed after gains have been paid out and are generally considered to be a return of your investment and are not subject to income
                  tax. While tax law is not entirely clear as to the proper tax treatment, once your Contract Value is reduced to zero we intend to treat Income Payments as
                  Annuity Payments for tax purposes. For Qualified Contracts, the total Income Payment is most likely subject to ordinary income tax. If you are taking withdrawals from the Contract to satisfy the requirements for substantially equal periodic payments under Section 72(t) or 72(q) of the Code and you begin Income Payments before the required series of withdrawals is complete, you may incur
                  additional penalties, including a 10% additional federal tax. If you begin Income Payments before age 59
1
∕
2
the payments will generally be subject to a 10% additional federal tax.
Taxation of Annuity Payments
For Annuity Payments from Non-Qualified Contracts, the portion of each payment included in income is determined by an exclusion ratio. The exclusion ratio is a calculation that causes a portion of each Annuity Payment to be non-taxable, based upon the percentage of your Contract Value that is from Purchase Payments. We determine the exclusion ratio for Annuity Payments by dividing the investment in the Contract (adjusted for any guaranteed period or refund guarantee) by the expected return
                  anticipated to be paid as Annuity Payments (which is determined by Treasury Regulations). We determine the amount of each Annuity Payment that is excluded
                  from income by multiplying the Annuity Payment by the exclusion ratio. Annuity Payments received after the investment in the Contract has been recovered (for
                  example, when the total of the amounts excluded from income equal the investment in the Contract) are fully taxable.
Generally, Annuity Payments from Qualified Contracts are fully taxable unless you have separately tracked and reported any after-tax contributions that you have made. Annuity Payments that are qualified distributions from Roth IRAs are federal income tax free. Owners, Annuitants and Beneficiaries under the Contracts should seek competent financial advice about the
                  tax consequences of any distributions.
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Distributions Upon the Owner's Death (or Annuitant's Death If the Owner Is a Non-individual)
Section 72(s) of the Code requires that, to be treated as an annuity contract for federal income tax purposes, a Non-Qualified Contract must contain certain provisions regarding distributions when an Owner dies. Specifically, Section 72(s) requires that: (a) if an Annuitant dies on or after you annuitize the Contract, but before distribution of the entire
                  Contract's interest, the entire Contract's interest must be distributed at least as rapidly as under the distribution method being used as of the Annuitant's
                  date of death; and (b) if any Owner (or the Annuitant if the Owner is a non-individual) dies before you annuitize the Contract, the Contract's entire interest
                  must be distributed within five years after the Owner's date of death.
These requirements are satisfied as to any part of an Owner's interest that is payable to, or for the benefit of, a designated Beneficiary and distributed over the designated Beneficiary's life, or over a period not extending beyond that Beneficiary's life expectancy, provided that distributions begin within one year of the Owner's death. The designated Beneficiary refers to an individual designated by the Owner as a Beneficiary and to whom ownership of the Contract passes by reason of death.
However, if the designated Beneficiary is the deceased Owner's surviving spouse, the surviving spouse can continue the Contract as the new Owner. If a couple is married in a jurisdiction (including a foreign country) that recognizes same-sex marriage, that marriage will be recognized for all federal tax purposes regardless of the law in the jurisdiction where they reside. However, the IRS did not recognize civil unions and registered domestic partnerships as marriages for federal tax purposes. Depending on the state in which your Contract is issued, we may offer certain spousal benefits to same-sex civil union couples, domestic partners or spouses. You should be aware, however, that, if state law does not recognize the civil union or registered domestic partnership as a marriage, we cannot permit the surviving partner/spouse to continue the Contract within the meaning of the federal tax law.
Same-sex civil union couples, domestic partners and spouses should contact their financial professional and a qualified tax adviser regarding their personal tax situation, the implications of any Contract benefits based on a spousal relationship, and their partner's/spouse's rights and benefits under the Contract.
Non-Qualified Contracts contain provisions that are intended to comply with these Code requirements.
Upon death of an Owner of a Qualified Contract, the Setting Every Community Up for Retirement (SECURE) Act (contained within the Further Consolidated Appropriations Act enacted December 20, 2019) made significant changes to the payment options available to Beneficiaries of Owners who die on or after January 1, 2020. The rules discussed below reference
                  IRA Contracts, but similar rules also apply to qualified retirement plans. With some exceptions, IRA Beneficiaries must receive their entire death benefit by
                  December 31 following the tenth anniversary of the IRA Owner's death.
The payment options for IRA Beneficiaries differ depending on several factors, including whether a Beneficiary is an Eligible Designated Beneficiary (EDB). An EDB includes any Beneficiary of the deceased IRA Owner who at time of death is: 1) the surviving spouse, 2) an individual not more than ten years younger than the IRA Owner, 3) a minor child of the IRA
                  Owner, 4) a chronically ill individual, or 5) disabled individual. EDB status is determined at the IRA Owner's death.
If you are an EDB, then you can begin RMD payments based on your single life expectancy ("stretch payments") in the year following the deceased Owner's death. You must begin to receive these RMD payments by December 31 of the year following the deceased Owner's death (but see the exception for a spouse beneficiary below). If you are an EDB that elected to receive
                  payments over your life expectancy, once you die, then your beneficiary must receive their entire death benefit by December 31 following the tenth anniversary
                  of your death. Proposed Treasury Regulations would also require your beneficiary in certain circumstances to continue stretch payments during this 10-year
                  period.
For a minor child Beneficiary, the payments based on life expectancy may continue only until the minor child reaches the age of majority (age 21 or the age specified in Treasury Regulations), unless the original IRA Owner had already reached the date at which he/she was required to begin receiving RMD payments, proposed Treasury Regulations would require a minor child Beneficiary to receive an RMD payment each year if the Owner died on or after their required beginning date. The minor
                  child Beneficiary must receive their entire death benefit by December 31 following the tenth anniversary of reaching the age of majority.
If you were the spouse Beneficiary of the deceased Owner's IRA Contract and your spouse had not yet reached the date at which he/she was required to begin receiving RMD payments (treating a Roth IRA as a traditional IRA for this purpose
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only), then you can wait to begin receiving RMD payments until the year that your spouse would have reached age 73 (age 75 if your spouse would have reached age 74 after December 31, 2032). Alternatively, if the deceased Owner had already reached the date at which he/she was required to begin receiving RMD payments, you must begin to receive these RMD payments by
                December 31 of the year following the deceased Owner's death.
If you are a designated Beneficiary (generally an individual), but are not an EDB, the entire death benefit must be distributed by December 31 after the tenth anniversary of the IRA Owner's death. If you die before the end of the ten-year period and the entire death benefit has not been distributed, your beneficiary must receive the entire death benefit by the same date you would have been required to receive the death benefit. Proposed Treasury Regulations would require you to receive an RMD each year if the Owner died on or after their required beginning date.
If the Beneficiary of the IRA Contract is a trust, current Treasury Regulations provide "see-through" treatment for trusts that meet certain requirements. If such treatment applies, the beneficiaries of the trust, rather than the trust itself will be treated as having been designated as beneficiaries of the IRA Contract for purposes of determining the distribution period for RMD payments. Due to the changes made by SECURE, there is uncertainty regarding which distribution options are available when a trust is the Beneficiary of an IRA Contract. Proposed Treasury Regulations provide some additional information.
                  Further clarification of situations involving trust Beneficiaries is expected to be provided when the Treasury Department finalizes proposed regulations.
                  Individuals are encouraged to seek guidance from their own tax professional or legal counsel to determine how these new rules apply to their particular
                  situation.
If the IRA Beneficiary is not a "designated beneficiary" (e.g., beneficiary is an estate, charity, or a trust that does not meet the requirements for "see-through" treatment), then the payment options are unchanged by the SECURE Act. If the IRA Owner had not yet reached the date at which he/she was required to begin receiving RMD payments (treating a Roth IRA as a traditional
                  IRA for this purpose only), then these IRA Beneficiaries must receive their entire death benefit by December 31 following the fifth anniversary of the IRA
                  Owner's death. Alternatively, if the deceased Owner had already reached the date at which he/she was required to begin receiving RMD payments, these IRA
                  Beneficiaries can begin RMD payments based on the single life expectancy of the Owner in the year of the deceased Owner's death, reduced by one. These Beneficiaries must begin to receive these RMD payments by December 31 of the year following the deceased Owner's death.
The SECURE Act impacts situations when the IRA Owner died before January 1, 2020 and the Beneficiary had elected stretch payments. In this situation, the stretch payments can continue to the Beneficiary, but once that Beneficiary dies, the successor beneficiary must receive any remaining death benefit by December 31 following the tenth anniversary of the original Beneficiary's death. Proposed Treasury Regulations would require the successor beneficiary to receive an RMD payment each
                  year.
The SECURE Act may limit the annuitization options that a Beneficiary may elect at the IRA Owner's death to comply with the new death benefit payment rules. Also, if an IRA Owner elected an annuitization option and then dies, action may be needed by the Beneficiary if any remaining Annuity Payments do not comply with the new death benefit payment rules for a Beneficiary.
Tax-Free Section 1035 Exchanges
Subject to certain restrictions, you can make a "tax-free" exchange under Section 1035 of the Code for all or a portion of one non-qualified annuity contract for another, or all of a life insurance policy for a non-qualified annuity contract. If you perform a partial 1035 exchange, please be aware that no distributions or withdrawals can occur from the old or new annuity contract within 180 days of the partial exchange, unless you qualify for an exception to this rule. IRS guidance also provides
                  that certain partial exchanges may not qualify as tax-free exchanges. You should consult a tax adviser to discuss the potential tax effects before making a
                  1035 exchange.
Before making an exchange, you should compare both contracts carefully. Remember that if you exchange a life insurance policy or annuity contract for the Contract described in this prospectus:
•
you might have to pay a withdrawal charge on your previous contract,
•
there is a new withdrawal charge period for this Contract,
•
other fees and expenses under this Contract may be higher (or lower),
•
the benefits may be different, and
•
you no longer have access to any benefits from your previous contract.
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If the exchange does not qualify for Section 1035 treatment, you also may have to pay federal income tax, including a possible additional federal tax, on the exchange. You should not exchange an existing life insurance policy or another annuity contract for this Contract unless you determine the exchange is in your best interest and not just better for the person
                selling you the Contract who generally earns a commission on each sale.
Multiple Non-Qualified Contracts Purchased In the Same Year By the Same Owner
Code Section 72(e)(12) provides that multiple Non-Qualified deferred annuity contracts issued within the same calendar year to the same owner by one company or its affiliates are treated as one annuity contract for purposes of determining a distribution's tax consequences. This treatment may result in adverse tax consequences, including more rapid taxation of distributions from combined contracts. For purposes of this rule, contracts received in a Section 1035 exchange are considered issued in the year of the exchange. You should consult a tax adviser before requesting a distribution if you purchased more
                  than one Non-Qualified Contract in any calendar year period.
Assignments, Pledges and Gratuitous Transfers
Any assignment or pledge (or agreement to assign or pledge) the Contract Value is treated for federal income tax purposes as a full withdrawal. The Contract will not qualify for tax deferral while the assignment or pledge is effective. Qualified Contracts generally cannot be assigned, pledged, or transferred to another individual. For Non-Qualified Contracts, the Contract's cost basis is increased by the amount includible as income with respect to such amount or portion, though it is not
                  affected by any other aspect of the assignment or pledge (including its release). If an Owner transfers a Non-Qualified Contract (an ownership change) without
                  adequate consideration to a person other than their spouse (or to a former spouse incident to divorce), the Owner is taxed on the difference between his or
                  her Contract Value and the Contract's cost basis at the time of transfer. In such case, the transferee's investment in the Contract is increased to reflect
                  the increase in the transferor's income. An Owner should consult a tax adviser before requesting an assignment, transfer, or pledge.
Income Tax Withholding
Any part of a distribution that is taxable to the Owner or Beneficiary is subject to federal and/or state income tax withholding. Generally, we withhold amounts from Annuity Payments at the same rate as wages, and we withhold 10% from non-periodic payments, such as withdrawals. However, in most cases, you may elect not to have taxes withheld or to have
                  withholding done at a different rate.
Certain distributions from retirement plans qualified under Code Section 401 that are not directly rolled over to another eligible retirement plan or IRA, are subject to a mandatory 20% federal income tax withholding. The 20% withholding requirement generally does not apply to:
•
a series of substantially equal payments made at least annually for the life
                    or life expectancy of the participant or joint and last survivor expectancy of the participant and a designated Beneficiary, or for a specified period of
                    ten years or more; or
•
RMDs; or
•
any part of a distribution not included in gross income (for example, returns
                    of after-tax contributions); or
•
hardship withdrawals.
Plan participants should consult a tax adviser regarding income tax withholding requirements.
Federal Estate Taxes
While no attempt is being made to discuss the Contract's federal estate tax implications, an Owner should keep in mind the annuity contract's value payable to a Beneficiary upon the Owner's death is included in the deceased Owner's gross estate. Depending on the annuity contract, the annuity's value included in the gross estate may be the value of the lump sum payment payable to the designated Beneficiary, or the actuarial value of the payments to be received by the Beneficiary. Consult an
                  estate planning adviser for more information.
Generation-Skipping Transfer Tax
The Code may impose a "generation-skipping transfer tax" when all or part of an annuity contract is transferred to, or a death benefit is paid to, an individual two or more generations younger than the Owner. Regulations may require us to deduct this tax from your Contract, or from any applicable payment, and pay it directly to the IRS.
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Foreign Tax Credits
We may benefit from any foreign tax credits attributable to taxes paid by certain funds to foreign jurisdictions to the extent permitted under the federal tax law.
Possible Tax Law Changes
Although the likelihood of legislative or regulatory changes is uncertain, there is always the possibility that the Contract's tax treatment could change. Consult a tax adviser with respect to legislative or regulatory developments and their effect on the Contract.
We have the right to modify the Contract in response to legislative or regulatory changes that could otherwise diminish the favorable tax treatment that annuity owners currently receive. We make no guarantee regarding the tax status of any Contract and do not intend the above discussion as tax advice.
13.
Other Information
The Registered Separate Account
We established Allianz Life Variable Account B (the Separate Account) as a separate account under Minnesota insurance law on May 31, 1985. The Separate Account is registered with the SEC as a unit investment trust under the Investment Company Act of 1940. The SEC does not supervise our management of the Separate Account.
The Separate Account holds the Fund's shares that have been purchased with Contract assets. We keep the Separate Account assets separate from the assets of our general account and other separate accounts, including the non-unitized separate accounts we established in connection with the Index Options. The Separate Account is divided into subaccounts, each of
                  which is a variable investment option under one or more variable annuity contracts that we issue through the Separate Account. The only subaccount currently
                  available under this Contract is the Variable Option, which invests exclusively in shares of the AZL Government Money Market Fund.
We own the assets of the Separate Account. Income, gains, and losses credited to, or charged against, the Separate Account reflect the Separate Account's own investment experience and not the investment experience of our other assets. The assets of the Separate Account may not be used to pay any liabilities of Allianz Life other than those arising from the variable investment portion of the Contracts and other variable annuity contracts supported by the Separate Account.
If the Separate Account's assets exceed the required reserves and other liabilities, we may transfer the excess to our general account, to the extent of seed money invested by us or earned fees and expenses. The obligations under the Contracts are obligations of Allianz Life. We are obligated to pay all amounts promised to investors under the Contracts.
Our General Account
Our general account holds all our assets other than assets in our separate accounts. We own our general account assets, and, subject to applicable law, have sole investment discretion over them. The assets are subject to our general business operation liabilities and claims of our creditors and may lose value. We have not registered our general account as an investment company under the Investment Company Act of 1940.
Our general account assets fund guarantees provided in the Contracts, including obligations associated with Income Payments and the death benefit. Contract Value that you apply to Annuity Payments becomes part of our general account.
Our Unregistered Separate Account
We hold the assets you allocate to the Index Options in Separate Account IANA, which we established under Minnesota Insurance Law for the purpose of supporting our obligations to pay Performance Credits. We invest the assets in Separate Account IANA in hedging instruments, including derivative hedging instruments such as put and call options, as well as cash and fixed income securities. Like our general account, the assets in Separate Account IANA are subject to our general business
                  operation liabilities and the claims of our creditors. An Owner who allocates Contract Value to an Index Option does not have any interest in or claim on the
                  assets in Separate Account IANA. In addition, neither the Owner nor these Index Options participate in any way in the performance of assets held in Separate
                  Account IANA.
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Distribution
Allianz Life Financial Services, LLC (ALFS), a wholly owned subsidiary of Allianz Life Insurance Company of North America, serves as principal underwriter for the Contracts. ALFS is a limited liability company organized in Minnesota, and is located at 5701 Golden Hills Drive, Minneapolis, MN 55416. ALFS is registered as a broker-dealer with the SEC under the
                  Securities Exchange Act of 1934, as well as with the securities commissions in the states in which it operates, and is a member of the Financial Industry
                  Regulatory Authority (FINRA). ALFS is not a member of Securities Investors Protection Corporation. More information about ALFS is available at
www.finra.org
or by calling 1-800-289-9999. You also can obtain an investor brochure from FINRA describing its Public Disclosure Program.
We have entered into a distribution agreement with ALFS for the distribution of the Contracts. ALFS also may perform various administrative services on our behalf.
We may fund ALFS operating and other expenses, including:
•
overhead,
•
legal fees,
•
accounting fees,
•
Financial Professional training,
•
compensation for the ALFS management team, and
•
other expenses associated with the Contracts.
Financial Professionals and their managers may also be eligible for various benefits, such as production incentive bonuses, insurance benefits, and non-cash compensation items that we may provide jointly with ALFS. Non-cash items include conferences, seminars and trips (including travel, lodging and meals in connection therewith), entertainment, awards, merchandise and
                  other similar items.
ALFS does not itself sell the Contracts on a retail basis. Rather, ALFS enters into selling agreements with other broker-dealers registered under the 1934 Act (selling firms) for the sale of the Contracts. We pay sales commissions to the selling firms and their Financial Professionals. The maximum commission payable to the selling firms for Contract sales is expected to not exceed 7% of Purchase Payments.  Sometimes, we enter into an agreement with a selling firm to pay commissions as a combination of a certain amount of the commission at the time of sale and a trail commission which, when totaled,
                  could exceed 7% of Purchase Payments.
The following table shows the aggregate dollar amount of underwriting commissions paid to ALFS for Allianz Life's last fiscal year. The underwriter did not retain any part of the commissions.
2023
Commission paid
$ 47,858,596.18
We and/or ALFS may make bonus payments to certain selling firms based on aggregate sales of our variable insurance contracts (including this Contract) or persistency standards, or as part of a special promotion. These additional payments are not offered to all selling firms, and the terms of any particular agreement governing the payments may vary among selling firms. In some instances, the amount paid may be significant.
A portion of the payments made to selling firms may be passed on to their Financial Professionals. Financial Professionals may receive cash and non-cash compensation and other benefits. Ask your Financial Professional for further information about what they and their firm may receive in connection with your Contract.
Commissions paid on the Contract, including other incentives or payments, are not charged directly to the Owners or the Separate Account. We intend to recover commissions and other expenses indirectly through fees and expenses imposed under the Contract.
Broker-dealers and their Financial Professionals and managers involved in sales of the Contracts may receive payments from us for administrative and other services that do not directly involve the sale of the Contracts, including payments made for recordkeeping, the recruitment and training of personnel, production of promotional literature and similar services. In addition, certain firms and their Financial Professionals may receive compensation for distribution and administrative
                  services when acting in a wholesaling capacity and working with retail firms.
In certain instances, we and/or ALFS may make payments to a broker-dealer for inclusion of this Contract in its list of products that it offers for sale.
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We and/or ALFS may pay certain selling firms additional marketing support allowances for:
•
marketing services and increased access to their Financial Professionals;
•
sales promotions relating to the Contracts;
•
costs associated with sales conferences and educational seminars;
•
the cost of client meetings and presentations; and
•
other sales expenses incurred by them.
We retain substantial discretion in determining whether to grant a marketing support payment to a particular broker-dealer firm and the amount of any such payment.
We may also make payments for marketing and wholesaling support to broker-dealer affiliates of underlying funds that are available through the annuities we offer.
Additional information regarding marketing support payments can be found in the Distributor section of the Statement of Additional Information.
Some Financial Professionals may have a financial incentive to offer you a new contract in place of the one you already own. You should only exchange your contract if you determine, after comparing the features, fees and risks of both contracts, that it is better for you to purchase the new contract rather than continue to own your existing contract.
The AZL Government Money Market Fund assesses a Rule 12b-1 fee of 0.25% of the Fund's average daily net assets for the most recent calendar year. This fee is paid to ALFS as consideration for providing distribution and certain other services and incurring certain expenses permitted under the Fund's plan.
In certain instances, an investment adviser and/or subadviser (and/or their affiliates) of an underlying fund may make payments for administrative services to ALFS or its affiliates.
We offer the Contracts to the public on a continuous basis. We anticipate continuing to offer the Contracts but reserve the right to discontinue the offering.
Additional Credits for Certain Groups
We may credit additional amounts to a Contract instead of modifying charges because of special circumstances that result in lower sales or administrative expenses or better than expected mortality or persistency experience.
Administration/Allianz Service Center
The Allianz Service Center performs certain administrative services regarding the Contracts and is located at 5701 Golden Hills Drive, Minneapolis, Minnesota. The Service Center mailing address and telephone number are listed at the back of this prospectus. The administrative and routine customer services performed by our Service Center include processing and mailing of
                  account statements and other mailings to Owners, responding to Owner correspondence and inquiries. Allianz Life also contracts with Tata Consultancy Services
                  (Tata) located at #42(P) & 45(P), Think Campus, Electronic City, Phase II, Bangalore, Karnataka 560100, India, to perform certain administrative services
                  including:
•
issuance and maintenance of the Contracts,
•
maintenance of Owner records, and
•
routine customer service including:
−
processing of Contract changes,
−
processing withdrawal requests (both partial and total), and
−
processing requests for fixed annuity payments.
Services performed by Tata are overseen and quality control checked by our Service Center.
To reduce expenses, only one copy of most financial reports and prospectuses, including reports and the prospectus for the Fund, may be mailed to your household, even if you or other persons in your household have more than one contract issued by us or our affiliate. Call our Service Center at the toll-free telephone number listed at the back of this prospectus if you need additional copies of financial reports, prospectuses, or annual and semiannual reports, or if you would like to receive one copy for each contract in future mailings.
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Legal Proceedings
We and our subsidiaries, like other life insurance companies, from time to time are involved in legal proceedings of various kinds, including regulatory proceedings and individual and class action lawsuits. In some legal proceedings involving insurers, substantial damages have been sought and/or material settlement payments have been made. Although the outcome of
                  any such proceedings cannot be predicted with certainty, we believe that, at the present time, there are no pending or threatened legal proceedings to which
                  we, the Separate Account, or ALFS is a party that are reasonably likely to materially affect the Separate Account, our ability to meet our obligations under
                  the Contracts, or ALFS ability to perform its obligations.
Status Pursuant to Securities Exchange Act of 1934
Allianz Life hereby relies on the exemption provided by Rule 12h-7 under the Securities Exchange Act of 1934 from the requirement to file reports pursuant to Section 15(d) of that Act.
14.
Information on Allianz Life
Allianz Life is a stock life insurance company organized under the laws of the State of Minnesota in 1896. Our address is 5701 Golden Hills Drive, Minneapolis, MN 55416. We are a wholly owned subsidiary of Allianz of America, Inc. (AZOA), a financial holding company. AZOA is a wholly owned subsidiary of Allianz Europe, B.V., which in turn is a wholly owned
                  subsidiary of Allianz SE, which is registered in Munich, Germany. We currently offer fixed index annuities, individual life insurance, and registered
                  index-linked annuities. We are licensed to do direct business in 49 states and the District of Columbia.
Directors, Executive Officers and Corporate Governance
BOARD OF DIRECTORS
The Board currently consists of eight members, including our Chair, our President and Chief Executive Officer, our Chief Financial Officer and Treasurer, four independent outside board members, and one non-independent board member. Age and positions are provided as of December 31, 2023, except as otherwise noted.
The Board holds regular quarterly meetings, generally in February, April/May, July/August, and October/November of each year, and holds special meetings or takes action by unanimous written consent as circumstances warrant. The Board has standing Executive, Audit, and Nomination, Evaluation and Compensation Committees, each of which is described in further detail
                  below.
The current members of our Board are as follows.
Andreas G. Wimmer
Director and Chair of the Board
Andreas G. Wimmer, age 49, joined Allianz Life's Board of Directors January 1, 2022 and currently serves as the Chair of the Board of Directors and Chair of its Executive Committee. Mr. Wimmer also has served as a Member of the Board of Management of Allianz SE since October 2021. Mr. Wimmer served as the Chair of the Board of Directors of Allianz Asset Management GmbH
                  from October 2021 to June 2022, the Chief Executive Officer of Allianz Lebensversicherungs-AG from January 2020 to March 2022 and as a Member of the Board of
                  Management of Allianz Deutschland AG from January 2020 to October 2021, respectively. Mr. Wimmer previously served as a member of the Board of Management, Corp. Clients of Allianz Lebensversicherungs-AG from 2015 to 2019. Mr. Wimmer also previously served as a Member of the Governing Board of HSBC Trinkaus & Burkhardt AG from October 2020 to December 2021, Supervisory Boards of IconicFinance GmbH
                  from April 2021 to January 2022, Syncier GmbH from August 2020 to April 2022 and Deutsche Lebensversicherungs AG from February 2015 to October 2021. Mr.
                  Wimmer has held several other positions with Allianz affiliates.
Mr. Wimmer brings to the Board extensive experience in the financial services and insurance industries, as well as extensive experience in investments and asset management, including serving as a Member of the Board of Management of Allianz SE, Asset Management, US Life Insurance.
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Jasmine M. Jirele
Director, President, and Chief Executive Officer
Jasmine M. Jirele, age 46, joined Allianz Life in 2018 and currently serves as its President and Chief Executive Officer and a member of its Board of Directors and its Executive Committee effective September 1, 2021. Ms. Jirele also serves as the Chair of the Board and the Chief Executive Officer of Allianz Life of New York and as the Chair of its Executive and Conflict of Interest Committees. She also serves as the Chair of the Board of AZOA Services Corporation and as the Chair of its
                  Shared Plans Management Committee. Ms. Jirele also serves as a Governor of Allianz Investment Management U.S. LLC, and as a Director of Allianz Australia Life
                  Insurance Holdings Limited, Allianz Australia Life Insurance Limited and Allianz Australia Life Policy Services Pty Limited. Ms. Jirele also serves as a
                  member of the Allianz Australia Life Insurance Limited Board Customer, Conduct and Culture Committee.
Previously, Ms. Jirele was the Senior Vice President, Chief Growth Officer of Allianz Life from October 2018 to September 2021. In that role, Ms. Jirele was responsible for the oversight of new business strategy, product innovation, marketing, and corporate communications. Previously, Ms. Jirele was a Governor of Allianz Strategic Investments, LLC from January to October 2021 and a Governor of Allianz Individual Insurance Group, LLC and TruChoice Financial Group, LLC from
                  September 2021 to November 2022. She was previously a Governor of Allianz Investment Management LLC from January 1, 2021 to February 15, 2022. Ms. Jirele was
                  also the President of AZOA Services Corporation from September 2021 to March 2022. Prior to that, Ms. Jirele was the Executive Vice President, Head of
                  Customer Excellence at Wells Fargo Consumer Bank/Consumer Auto.
Ms. Jirele brings to the Board extensive operations, product innovation, marketing and communications, growth strategy and insurance industry experience.
William E. Gaumond
Director, Senior Vice
                  President, Chief Financial Officer and Treasurer
William E. Gaumond, age 50, joined Allianz Life in 2004 and has served as Senior Vice President, Chief Financial Officer and Treasurer, and as a member of the Board of Directors since January 1, 2016. Mr. Gaumond also serves as a Director of Allianz Life of New York, its Chief Financial Officer and Treasurer, and as a member of its Executive Committee and Chair of its Finance Committee.
Mr. Gaumond also has served as the Chief Financial Officer of Allianz Foundation for North America since March 2016. He also serves as a Governor of Allianz Life Financial Services, LLC, Allianz Investment Management U.S. LLC, and Allianz Strategic Investments, LLC. Mr. Gaumond also serves as a Director and the President of Allianz Fund Investments, Inc., AZL PF
                  Investments, Inc., and Dresdner Kleinwort Pfandbriefe Investments II, Inc..
Mr. Gaumond also serves as a Director and the President of AZOA Services Corporation. He is also a Director of Questar Agency, Inc., Questar Capital Corporation, Yorktown Financial Companies, Inc., and Allianz Technology of America, Inc. Mr. Gaumond also serves as a Director of Allianz of America, Inc., and as its Executive Vice President. He also serves as a Director
                  of Allianz Finance Corporation, and as its Chief Financial Officer and Treasurer.
Mr. Gaumond previously served as a Director of Questar Asset Management, Inc. from January 2016 to September 2021, and as a Governor of Allianz Individual Insurance Group, LLC and TruChoice Financial Group, LLC from January 2018 to November 2022. Mr. Gaumond served as the President of PFP Holdings, Inc. from December 2015 to February 2021 and as a Director of
                  PFP Holdings, Inc. from December of 2015 to December of 2022. Mr. Gaumond previously served as the Interim Controller for Allianz Life and Allianz Life of New
                  York, and as the Interim Treasurer for Allianz Foundation for North America, from October 2022 through March 2023. Mr. Gaumond also served as a Director and
                  the Interim Vice President, Controller and Assistant Treasurer and a Director of Allianz Life Insurance Company of Missouri through March 2023.
Mr. Gaumond brings to the Board extensive financial services, investment, and insurance industry experience. Mr. Gaumond is responsible for all finance and risk management functions, with oversight of the controller, financial planning, treasury, and corporate risk management areas.
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Lauren K. Day
Director
Lauren K. Day, age 46, joined the Allianz Life Board of Directors on May 9, 2023. Ms. Day has been the Group Head of Communications and Reputation of Allianz SE since August of 2021. Ms. Day also has been a member of the Board of Directors of Allianz Foundation for North America since October of 2021, a Member of the Board of Directors of the American Council on
                  Germany since 2022, and the Chair of the Advisory Board of Annycent Capital Partners since August 2021.
Prior to joining Allianz SE, Ms. Day served as Head of Strategy and Capital Relationships at Annycent Capital Partners from January to July of 2021. She also served at Prudential Financial, Inc. as Chief Communications Officer from 2015 to 2021 and as Vice President, Corporate and Financial Communications from 2011 to 2013. Ms. Day also served as the Managing Director, Head of Communications and Corporate Responsibility at AXA from 2013 to 2015. Prior to that, she held high-level
                  communications positions at American International Group, Inc., AIG Investments, and KfW Group.
Ms. Day brings to the Board over 20 years of global communications, strategy and business development experience spanning the private and public sectors of developed and emerging markets in North America, Asia, and Western, Central and Eastern Europe.
Udo Frank
Director
Udo Frank, age 64, joined Allianz Life's Board of Directors on May 1, 2015 and serves as its Lead Independent Director, the Chair of its Audit Committee and as a member of its Nomination, Evaluation and Compensation Committee and its Executive Committee. Mr. Frank has also served as a Director of Allianz Life of New York, its Lead Independent Director, as the Chair
                  of its Audit and Evaluation Committee, and as a member of its Executive Committee and Finance Committee since January 1, 2024. Mr. Frank has over 30 years of
                  experience in the financial services and insurance industries. Mr. Frank worked for various Allianz SE investment and asset management affiliates from 1994 to
                  2014, including serving in numerous executive positions. Mr. Frank served as the Global Chief Executive Officer of RCM Capital Management, LLC from 2001 to 2011. From 2012 to 2014, he served as the Head of Product Management and Chief Marketing Officer of Allianz Global Investors – U.S.
Mr. Frank brings to the Board extensive experience in the financial services and insurance industries, as well as extensive experience in investments and asset management.
Kevin E. Walker
Independent Director
Kevin E. Walker, age 61, joined Allianz Life's Board of Directors on May 23, 2017, and serves as a member of its Audit Committee and Chair of its Nomination, Evaluation and Compensation Committee. Mr. Walker also serves as a Director of Allianz Life of New York, and as a member of its Audit and Evaluation Committee and its Finance Committee. Mr. Walker also serves
                  as the Chair and Director of Allianz Reinsurance America, Inc., and is a member of its Audit Committee and Executive Committee. Mr. Walker has over 30 years
                  of insurance and financial services experience. Mr. Walker served at various Allianz affiliates throughout his career, most recently as the President and
                  Chief Executive Officer of Allianz Reinsurance America, Inc. from 2015 to 2016. Mr. Walker has also served as a director and officer for several other Allianz affiliates.
Mr. Walker brings to the Board extensive experience in the insurance industry, as well as extensive experience in finance and operations.
Walter R. White
Director
Walter R. White, age 67, joined Allianz Life in 2009 and has served as an Allianz Life Board member since January 1, 2012. Mr. White also has served as a member of its Audit Committee and its Nomination, Evaluation and Compensation Committee since May 2022. Mr. White also has served as a Director of Allianz Life of New York and as a member its Audit and Evaluation
                  Committee and its Conflict of Interest Committee since January 1, 2024. Previously, Mr. White served as the President, Chief Executive Officer, and as a
                  member of the Executive Committee of Allianz Life from January 1, 2012 to September 1, 2021; and then as a Senior Advisor through December 31, 2021. Mr. White
                  also previously served as the Chair of the Board, the Chief Executive Officer, Chair of the Executive Committee and Chair of the Conflict of Interest Committee of Allianz Life of New York, and as a Board member and the President of AZOA
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Services Corporation and as the Chair of its Shared Plans Management Committee. Mr. White also served as a Governor of Allianz Individual Insurance Group, LLC, Allianz Investment Management LLC, Allianz Investment Management U.S. LLC, and TruChoice Financial Group, LLC. In addition, Mr. White previously served as a Director of Questar Capital Corporation and
                Questar Agency, Inc.
Mr. White brings to the Board extensive financial services and brokerage experience as well as key strategic planning and leadership skills developed as the former President and Chief Executive Officer of Allianz Life and the former President of Woodbury Financial.
Howard E. Woolley
Director
Howard E. Woolley, age 66, joined Allianz Life's Board of Directors on May 1, 2020 and is a member of its Audit Committee and its Nomination, Evaluation and Compensation Committee. Mr. Woolley also has served as a Director of Allianz Life of New York and as a member its Audit and Evaluation Committee since January 1, 2024. In 2015, Mr. Woolley formed Howard
                  Woolley Group LLC, a strategic business and public policy firm serving leading technology and wireless industry clients, and serves as its President. He is a
                  leader in the field of regulatory risk management, public policy, and government affairs. Mr. Woolley is an NACD Leadership Fellow and an international member
                  of the Australian Institute of Company Directors. Mr. Woolley serves as a member of the board of directors of Apple Hospitality REIT, Inc., a publicly traded real estate investment trust that owns hotels across the United States, and is a member of its Compensation Committee and its Nomination and Governance Committee. He also serves as the Lead Independent Director for telecommunications company Somos Inc., and is a member of its Executive Committee, its Compensation Committee and its
                  Nomination and Governance Committee. He serves on the boards of trustees for Johns Hopkins Medicine, Johns Hopkins University and Syracuse University. Mr.
                  Woolley is co-chair of the Johns Hopkins University & Medicine External Affairs Committee and serves on the Johns Hopkins Medicine Executive Committee and
                  the Syracuse University Audit, Academic Affairs and Executive Committees.
Mr. Woolley brings to the Board more than 20 years of extensive board experience and brings a wealth of experience and insights in several areas, including risk management.
EXECUTIVE OFFICERS
The current executive officers (other than Ms. Jirele and Mr. Gaumond) are as follows. Age and positions are provided as of December 31, 2023, except as otherwise noted.
Karim Akhavan-Hezavei
Senior Vice President, Chief Operating Officer
Karim Akhavan-Hezavei, age 47, joined Allianz Life August 1, 2022 and currently serves as its Senior Vice President, Chief Operating Officer. He also serves as the Chief Operating Officer of Allianz Life of New York. Mr. Akhavan-Hezavei is responsible for Enterprise Operations, IT, and IT Security functions. Mr. Akhavan-Hezavei also has served as a Director of
                  Allianz Technology of America, Inc. since November 2022.
Mr. Akhavan-Hezavei was previously the Chief Operating Officer for Allianz Services from January 2019 to July 2022. He was also a member of the Allianz Services Executive Management team with responsibility for operations and IT, global projects, and development of global business models.
Mr. Akhavan-Hezavei has served at various Allianz affiliates since 2013 in a variety of senior leadership roles. Prior to joining Allianz, he held positions with Siemens and Ernst & Young Consulting.  Mr. Akhavan-Hezavei has a Master's degree in Economics from Ludwig-Maximillans University in Munich, Germany.
Gretchen Cepek
Senior Vice President, General Counsel, and Secretary
Gretchen Cepek, age 55, joined Allianz Life in 2009 and has served as Senior Vice President, General Counsel and Secretary since February 17, 2012. In this role, Ms. Cepek is responsible for the legal, ethics, and compliance departments as well as government relations and the special investigations unit. She also serves as the Chief Legal Officer and Secretary of Allianz Life of New York and as a member of its Conflict of Interest Committee, and as General Counsel and Secretary of AZOA Services Corporation. She is also a Director and the Chair and President of Allianz Foundation for North America. Ms. Cepek
                  received her J.D. from Valparaiso University School of Law in 1993
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Jenny L. Guldseth
Senior Vice President, Chief People & Culture Officer
Jenny L. Guldseth, age 48, joined Allianz Life in 2005 and has served as the Senior Vice President, Chief People and Culture Officer, and as Chair of its Benefits Plans Administration Committee since January 1, 2019. In this position, Ms. Guldseth is responsible for setting strategy and leading the People and Culture and Facilities departments to improve business results and increase employee engagement. Ms. Guldseth is also a Director of the Allianz Foundation for North America, the
                  Chief People & Culture Officer of AZOA Services Corporation, and the Chair of its Employee Benefits Administration Committee and a member of its Benefit
                  Plans Investment Committee and its Shared Plans Management Committee. Ms. Guldseth has over ten years of experience at Allianz Life, including, in part,
                  having served as the Vice President, Rewards and Performance from 2017 to 2018. In this position she was responsible for the performance and compensation functions for Allianz Life and the benefits functions for multiple U.S.-based affiliate companies.
Neil H. McKay
Senior Vice President, Chief Actuary
Neil H. McKay, age 62, joined Allianz Life in 1999 and has served as its Senior Vice President, Chief Actuary since May 15, 2000. Mr. McKay also has served as the Chief Actuary of Allianz Life of New York since April 8, 2014. Mr. McKay is responsible for all of the actuarial functions of Allianz Life and Allianz Life of New York, including the actuarial
                  assumptions underlying its products and the rate setting associated with existing and new products.
Jean-Roch P.F. Sibille
Senior Vice President, Chief Investment Officer
Jean-Roch P.F. Sibille, age 41, joined Allianz Life in October 2018 and has served as its Senior Vice President, Chief Investment Officer since May 2022. He also currently serves as the Chief Investment Officer of Allianz Life of New York and Allianz Life Insurance Company of Missouri, LLC. Mr. Sibille is a Governor and the Chief Executive Officer of Allianz
                  Investment Management U.S. LLC and a Governor of Allianz Investment Management LLC and Allianz Strategic Investments, LLC.  In addition, he serves as a
                  Director and Vice President and Treasurer of AZL PF Investments Inc., Dresdner Kleinwort Pfandbriefe Investments II Inc., and Allianz Fund Investments, Inc.
                  He also serves as a Director and the President of Allianz Finance Corporation.
Mr. Sibille leads the investment management, liquidity planning, hedging, and trading functions at Allianz Life. He is also a member of the global Allianz Investment Management Board, which serves the Allianz Group of insurance companies. Previously, Mr. Sibille served as the Senior Vice President, Chief Risk Officer and Chief Credit Officer of Allianz Life and as the
                  Chief Risk Officer of Allianz Life of New York from January 2019 to May 2022.  Prior to his current roles, he spent four years at Allianz SE as the Head of
                  Market Risk Management and Risk Reporting, and Head of the Independent Validation Unit.  Mr. Sibille also has broad work experience in risk management with
                  AXA Belgium and Risk Dynamics.
Mr. Sibille earned an Executive Master of Business Administration at the Kellogg-WHU School of Management, a Ph.D. in Finance from the University of Liѐge, and a Master in Business Engineering at the University of Namur.
Eric J. Thomes
Senior Vice President, Chief Distribution Officer
Eric J. Thomes, age 51, joined Allianz Life in 1995 and has served as its Senior Vice President, Chief Distribution Officer since April 1, 2019. He also serves as the President and a Director of Allianz Life of New York. Mr. Thomes also serves as a Governor, the Chief Executive Officer and the Chief Manager of Allianz Life Financial Services, LLC. He also serves as the President and Chief Executive Officer and Board Chair of Yorktown Financial Companies, Inc., Questar Agency, Inc. and Questar Capital Corporation, respectively. Mr. Thomes previously served as a Director of Questar Asset Management, Inc. from
                  April 2019 to September 2021. He also served as a Governor of Allianz Individual Insurance Group, LLC, and TruChoice Financial Group, LLC, from April 2019 to
                  November 2022. Mr. Thomes is responsible for the development, design and implementation of Allianz Life's and Allianz Life of New York's sales and
                  distribution strategies. Prior to his current roles, Mr. Thomes served as the Field Senior Vice President, FMO Sales from 2009 to 2019.
Emmanuelle Thommerot
Senior Vice President, Chief Marketing and Strategy Officer
Emmanuelle Thommerot, age 50, joined Allianz Life on April 1, 2023, and currently serves as its Senior Vice President, Chief Marketing and Strategy Officer. Ms. Thommerot previously served as the Head of Strategic Market Management for Allianz BeNeLux (Belgium, Netherlands, Luxembourg), from 2020-2023, where she was responsible for strategic
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marketing including market intelligence, customer experience, customer insights and analytics, customer journey, and value proposition for all lines of business (life and non-life, retail and commercial). Prior to joining Allianz Life, she held senior leadership roles at AXA as Head of Business Transformation Programs and Change Management from 2017 to 2020.
Ms. Thommerot brings over 15 years of marketing, strategy and transformation experience in insurance, financial services and consulting. She oversees development of the company strategy, and has accountability for Marketing, Digital, Corporate Strategy, Sustainability, Strategic Communications, Community Engagement and Sponsorships.
CORPORATE GOVERNANCE
Committees of the Board
The Executive Committee of the Board ("Executive Committee") is currently composed of Mr. Wimmer (Chair), Ms. Jirele and Mr. Frank. The function of the Executive Committee is to exercise the authority of the Board between meetings of the Board, with the exceptions set forth in Allianz Life's By-Laws. The Executive Committee did not meet in 2023, but acted once by unanimous written action.
The Audit Committee of the Board is currently composed of Messrs. Frank (Chair), Walker, White and Woolley. The Audit Committee is responsible for overseeing Allianz Life's accounting and financial reporting and control processes on behalf of the Board, which includes assisting with Board oversight of (1) quality and integrity of Allianz Life's financial statements, (2) Allianz Life's compliance with legal and regulatory requirements, (3) the qualifications, independence and fees of the independent-auditors, (4) Allianz Life's system of internal controls and (5) the performance of Allianz Life's internal audit function. The Board has determined that each member of the Audit Committee is financially literate. The Audit Committee met four times in 2023.
The Nomination, Evaluation and Compensation Committee (NEC Committee) is currently composed of Messrs. Walker (Chair), Frank, White and Woolley. The NEC Committee's purpose is to (1) nominate candidates for director for election, (2) evaluate the performance of officers deemed to be "principal officers," and (3) recommend to the Board the selection and
                  compensation of the "principal officers." The NEC Committee met one time in 2023 and acted twice by written action.
Independence of Certain Directors
Allianz Life is not subject to the independence standards of the New York Stock Exchange or any other national securities exchange, but is subject to the independence standards required under the Model Audit Rule. Applying the independence standards of the Model Audit Rule to the current members of the Board, the Board has determined that Messrs. Frank, Walker, White,
                  and Woolley are "independent" under the Model Audit Rule.
Code of Ethics
All of our officers and employees, including our Chief Executive Officer, Chief Financial Officer and Controller, are subject to Allianz Life's Code of Ethics.
Executive Compensation
Compensation Discussion and Analysis
In this section, we provide an overview of the goals and principal components of our executive compensation program and describe how we determine the compensation of our "Named Executive Officers" or "NEOs." For 2023, our NEOs were:
•
Jasmine M. Jirele
, President and Chief Executive Officer
•
William E. Gaumond
, Senior Vice President, Chief Financial Officer and Treasurer
•
Eric J. Thomes
, Senior Vice President, Chief Distribution Officer
•
Neil H. McKay
, Senior Vice President, Chief Actuary
•
Gretchen Cepek
, Senior Vice President, General Counsel, and Secretary
The details of each NEO's compensation may be found in the Summary Compensation Table and other compensation tables included in this Executive Compensation section.
Executive Summary
Allianz Life's compensation programs are intended to align our NEOs' interests with those of our ultimate stockholder, Allianz SE, the ultimate parent company of Allianz Life. Allianz Life's compensation programs are designed to reward performance that meets or exceeds the goals established by the Compensation Committee, a management committee of
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Allianz Life. Allianz Life is tasked with establishing the executive compensation philosophy. In line with Allianz Life's compensation philosophy described below, the total compensation received by our NEOs will vary based on individual and corporate performance in light of annual and long-term performance goals. Our NEOs' total compensation is composed of a mix of annual
                base salary, annual cash awards based on corporate objectives and executive performance factors and long-term equity incentive awards in the form of restricted
                stock units of the equity securities of Allianz SE.
Compensation Philosophy and Strategy
Overview
The overriding goal of Allianz Life's executive compensation programs is to attract, retain and motivate top-performing executive officers who will dedicate themselves to long-term financial and operational success. To this end, Allianz Life has structured the executive compensation programs to foster a pay-for-performance management culture by:
•
providing total compensation opportunities that are competitive with the
                    levels of total compensation available at the large diversified financial services companies with which Allianz Life most directly competes in the
                    marketplace;
•
setting performance metrics and objectives for variable compensation
                    arrangements that reward executives for attaining both annual targets and long-term business objectives, thereby providing individual executives with the
                    opportunity to earn above-average compensation by achieving above-average results;
•
establishing equity-based arrangements that align executives' financial
                    interests with those of Allianz SE by ensuring executives have a material financial stake in the equity value of Allianz SE and the business success of its
                    affiliates; and
•
structuring compensation packages and outcomes to foster internal pay equity.
Compensation Components
To support this pay-for-performance strategy, Allianz Life's total compensation program provides a mix of compensation components that bases the majority of each executive's compensation on their success and on an assessment of each executive's overall contribution to that success.
Compensation Element
Description
Objective
Base Salary
Fixed rate of pay that compensates employees for
                            fulfilling their
basic job responsibilities. For NEOs, increases are
                            generally
provided in the case of a significant increase in
                            responsibilities
or a significant discrepancy versus the market.
Attract and retain high-caliber
leadership.
Annual Incentive Plan
Incentive compensation that promotes and rewards the
achievement of annual performance objectives through
                            awards
under the Allianz Life Annual Incentive Plan ("AIP").
• Link compensation to annual
performance results.
• Attract and motivate
high-caliber leadership.
• Align the interests of NEOs
and our stockholder.
Performance-Based Equity
Incentives
Incentive compensation through restricted stock unit
                            awards
made under the Allianz Equity Incentive Plan ("AEI") that
promotes and rewards the achievement of long term
performance objectives.
• Retain high-caliber leadership
with multi-year vesting.
• Align the interests of NEOs
and our stockholder.
Severance Arrangements
Severance payments to employees, including NEOs, under
certain company-initiated termination events.
Compensate employees for
situations where the employee's
employment is involuntarily
terminated in a qualifying
termination of employment.
Perquisites-Benefits
Perquisites provided to our NEOs include employer
                            matching
contributions to the NEOs' accounts in the 401(k) plan
                            and may
also include the payment of life insurance premiums,
                            relocation
reimbursements, and reimbursements for financial
                            planning, tax
preparation services, and spousal travel expenses.
Provide market competitive total
compensation package.
In addition, Allianz Life offers all employees, including our NEOs, broad-based benefits, including comprehensive medical, dental and vision insurance, group term life insurance and participation in a 401(k) plan.
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How Compensation Decisions Are Made
Role of the Board of Directors and Compensation Committee
The framework governing the executive compensation policies for Allianz Life, except as such policies relate to the compensation for the Chief Executive Officer, is set through the Compensation Committee of Allianz Life. Decisions affecting the compensation of the Chief Executive Officer are outside the scope of the Allianz Life Compensation Committee. Any such
                  decisions are made by Allianz SE, subject to review by the NEC Committee, and final approval by Allianz Life's Board of Directors. With respect to the
                  compensation of other "principal officers" selected by the Board for purposes of the duties of the NEC Committee under Minn. Stat. § 60D.20, subd. 3(d), the
                  Compensation Committee's decisions are similarly subject to review by the NEC Committee and final approval by Allianz Life's Board. The "principal officers" include the Chief Executive Officer, Chief Financial Officer, and General Counsel. Allianz Life's Board has delegated the following responsibilities to the Compensation Committee:
•
In general, establish the compensation philosophy and strategy of Allianz
                    Life and oversee the development and implementation of compensation, benefit, and perquisite programs for corporate executives consistent with the principles of ensuring that leadership is compensated effectively in a manner consistent with the stated compensation strategy, internal equity considerations, competitive practices, shareholder interests, and the requirements of any applicable
                    regulatory bodies in order to attract and retain high-quality leadership. This responsibility includes periodic review of Allianz Life's compensation
                    programs to pursue certain goals, with the expectation that changes will be made periodically to ensure these goals are attained.
•
Review and approve the establishment of, or material modification to, any
                    executive incentive compensation plans or programs for Allianz Life.
•
Review and approve any special benefits or perquisites in effect for, or
                    offered to, any prospective, current or former Allianz Life employee, regardless of the employee's level or assignment within Allianz Life. Such benefits
                    and perquisites are those that are unusual or different from the benefits offered to all similarly-situated employees.
•
Review and approve any employment agreements proposed to be made with any
                    prospective or current employee of Allianz Life.
•
Review and approve any individual severance agreement with any Allianz Life
                    officer. This does not include an arrangement where the employee receives severance or incentive payments under existing terms of a broad-based benefit or compensation plan.
•
Oversee Allianz Life's compliance with regulations with respect to
                    compensation matters and adopt and monitor adherence to global and local process requirements and timelines, including those required under the Corporate
                    Rules (as defined under the Allianz Life Standard for Corporate Rules) mandated by Allianz SE.
The Compensation Committee will at all times be composed of at least three members who are appointed by the full Board of Directors of Allianz Life. The Compensation Committee currently consists of the following members: the Chair of the Board, the Chief Executive Officer, and the Chief People and Culture Officer. The Compensation Committee also utilizes internal
                  personnel to provide advice to the Compensation Committee regarding market trends in compensation policies at competing companies and on a more macro level.
Following its review and decision, the Compensation Committee produces and submits a report on executive compensation to Allianz Life's Board of Directors at its request. With respect to the compensation of "principal officers" selected by Allianz Life's Board for purposes of the duties of the NEC Committee under Minnesota Statutes § 60D.20, subd. 3(d), the Compensation Committee produces and submits a report on executive compensation proposed for the designated "principal officers" to
                  the NEC Committee for its review and recommendation to Allianz Life's Board for final approval.
Role of the Chief Executive Officer
Our Chief Executive Officer assists the Compensation Committee in its review of the total compensation of all the NEOs except themself. The Chief Executive Officer provides the Compensation Committee with their assessment of the NEOs' respective performance relative to the corporate and individual goals and other expectations set for them for the preceding year. The
                  Chief Executive Officer then provides their recommendation for each NEO's total compensation and the appropriate goals for each NEO in the year to come.
                  However, the Compensation Committee is not bound by the Chief Executive Officer's recommendations.
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Role of Allianz Life's People and Culture Team
Allianz Life's People and Culture Team supports the Compensation Committee on executive compensation matters by being responsible for many of the organizational and administrative tasks that underlie the compensation review and determination process and making presentations on various topics. Allianz Life's People and Culture efforts include, among other
                  things:
•
evaluating the compensation data from industry groups, national executive pay
                    surveys, and other sources for the NEOs and other executive officers as appropriate;
•
gathering and correlating performance ratings and reviews for individual
                    executive officers, including the NEOs;
•
reviewing executive compensation recommendations against appropriate market
                    data and for internal consistency and equity; and
•
reporting to, and answering requests for information from, the Compensation
                    Committee.
Allianz Life's People and Culture officers also coordinate and share information with their counterparts at Allianz SE.
Use of Competitive Compensation Data
Because Allianz Life competes most directly for executive talent with other large diversified financial services companies, Allianz Life regards it as essential to regularly review the competitiveness of the total compensation programs for executives to ensure that Allianz Life provides compensation opportunities that compare favorably with the levels of total compensation
                  offered to similarly situated executives by other companies that participate in the compensation surveys in which Allianz Life participates. Allianz Life
                  relies primarily on external market surveys of corporate compensation and benefits published by various national compensation consulting firms, especially
                  salary surveys focusing on insurance companies. In addition, other factors taken into account include the average revenues and number of employees of companies that participate in such surveys.
All these information sources are employed to measure and compare actual pay levels not only on an aggregate, total compensation basis, but also to break down the total compensation program component by component to review and compare specific compensation elements as well as the particular mixes of fixed versus variable, short-term versus long-term, and cash
                  versus equity-based compensation at the surveyed companies. This information, as collected and reviewed by Allianz Life's People and Culture Team, is
                  submitted to the Compensation Committee for review and discussion.
Internal Pay Equity Analysis
Allianz Life's compensation programs are designed with the goal of providing compensation to our NEOs that is fair, reasonable, and competitive. To achieve this goal, Allianz Life believes it is important to compare compensation paid to each NEO not only with compensation paid by the surveyed companies, as discussed above, but also with compensation paid to each of our other NEOs. Such an internal comparison is important to ensure that compensation is equitable among our NEOs.
Components of Total Compensation For Our NEOs
Allianz Life provides total compensation to our NEOs that consists of several components. These components include the three components of the total compensation program (i.e., base salary, annual incentives, and equity) as well as: (i) retirement, health, and other benefit programs; (ii) severance benefits; and (iii) perquisites.
Base Salary
Allianz Life's philosophy is to make base salary a relatively small portion of the overall compensation package for our NEOs, which Allianz Life believes is common in the industry in which we operate. The amount of the base salary awarded to NEOs is based on the position held, the NEO's tenure, the scope of the position's responsibilities, and the NEO's own performance,
                  all of which are reviewed with the aid of market survey data. Using this data, Allianz Life maintains a 50th percentile pricing philosophy, comparing base
                  salaries against the median for comparable salaries at surveyed companies, unless exceptional conditions require otherwise.
With respect to the base salary of our Chief Executive Officer, the Chair of the Board considered the Chief Executive Officer's experience, performance, and contribution to overall corporate performance when determining their base salary for 2023 for recommendation to the NEC Committee. Base salaries for our other NEOs for 2023 were also set by the Compensation
                  Committee based upon each NEO's individual experience and contribution to the overall performance of Allianz Life, and subject to Allianz SE Compensation
                  Committee reviews and, with respect to the base salaries of
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"principal officers" selected by Allianz Life's Board of Directors for purposes of the duties of the NEC Committee under Minnesota Statutes § 60D.20, subd. 3(d), subject to NEC Committee review and recommendation to Allianz Life's Board for final approval.
AIP
Allianz Life offers annual cash bonuses to certain executive officers under the AIP. The AIP is designed to improve performance and profitability by motivating employees to accomplish organizational objectives and financial goals. Bonus awards that may be paid pursuant to the AIP are within the sole discretion of the Compensation Committee, and with respect to our CEO, the Chair of the Board, and are intended to:
•
reward the performance of participants who have made significant contributions
                    to the achievement of annual goals and objectives;
•
provide an incentive that will encourage future superior individual
                    performance; and
•
encourage the retention of employees who have demonstrated exceptional
                    performance and/or are anticipated to significantly contribute to the long-term success of Allianz Life.
Following the performance year, the Compensation Committee approved a specific amount of cash awards to be made pursuant to the AIP to executive officers, including our NEOs, for the 2023 performance year. The amount determined to be available for such awards was at the discretion of the Compensation Committee and was dependent upon many factors as outlined
                  previously, including, but not limited to, current financial performance and contributions of our NEOs in achieving performance objectives, and with respect
                  to the awards to the "principal officers" selected by Allianz Life's Board for purposes of the duties of the NEC Committee under Minnesota Statutes § 60D.20,
                  subd. 3(d), subject to NEC Committee review and recommendation to Allianz Life's Board for final approval.
AEI
The AEI is (a) one part of the variable compensation component for certain individuals within designated classes of employees at Allianz Life or (b) offered by Allianz Life to select senior employees as an additional part of their variable compensation on a case by case basis. The AEI is granted in the form of restricted stock units of Allianz SE ("RSUs"). The award of RSU's are intended to:
•
reward the performance of participants who have made significant contributions
                    to the achievement of their company's annual goals and objectives,
•
provide an incentive that will encourage future superior individual
                    performance, and
•
encourage the retention of employees who have demonstrated exceptional
                    performance and/or are anticipated to significantly contribute to the long-term success of Allianz.
Awards made pursuant to the AEI are based upon both the performance of Allianz Life and Allianz Life of New York and the performance of the NEO. The Compensation Committee (and, with respect to those NEOs that are "principal officers" for purposes of the NEC Committee's duties, the NEC Committee with final approval of Allianz Life's Board of Directors) reviewed
                  the performance of our NEOs following the end of our 2023 fiscal year relative to the AEI allocation amount.
Benefit Perquisites
Allianz Life provides our NEOs with certain limited perquisites. All of our employees, including our NEOs, may participate in the qualified 401(k) plan. Allianz Life and Allianz Life of New York generally provide our executive officers, including our NEOs, with a matching contribution up to $24,750 annually. In addition, Allianz Life and Allianz Life of New
                  York provide excess liability insurance coverage to all of our NEOs and provide financial planning and tax preparation services, relocation reimbursements,
                  and reimbursements of spousal travel expenses to certain of our NEOs. The incremental costs of perquisites for the NEOs during 2023 are included in the column
                  entitled "All Other Compensation" in the Summary Compensation Table included in this section.
Certain Retention Arrangements
Allianz Life maintains retention bonus arrangements with certain executives, pursuant to which retention bonus payments are paid so long as such executive remains employed with Allianz Life in good standing.
Severance Arrangements
Allianz Life NEOs are eligible for severance payments under the Executive Severance Plan if they experience a qualifying termination of employment and otherwise satisfy the conditions set forth in the plan.
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Other than the Executive Severance Plan, which is described later in this section, our NEOs are not eligible for severance
              payments. Certain of our executive officers receive offer letters which set forth the terms relating to base salary, sign-on incentives, and equity compensation. However, Allianz Life does not view these offer letters as employment agreements as each offer letter states that employment with Allianz Life is "at will."
Other Compensation Policies
Tax and Accounting Implications
Stock-Based Compensation
.
                  Stock-based compensation, comprised of Allianz SE restricted stock units (RSUs) granted pursuant to the AEI, are accounted for in accordance with the
                  requirements of Financial Accounting Standards Board Accounting Standards Codification ("FASB ASC") Topic 718. The fair value of the RSUs at grant is the
                  arithmetic average of the closing prices of an Allianz SE share in the electronic cash market trading system Xetra (or any successor system) on that day and the nine immediately preceding trading days, less the present value of dividends expected to be paid on one Allianz SE share over the vesting period, and less the fair value of payout restrictions deriving from the vesting period
                  and the payout cap.
Summary Compensation Table
The following table sets forth the compensation paid by Allianz Life to the NEOs for the years ended December 31, 2023, 2022, and 2021, as applicable.
Name and Principal
Position
(a)
Year
(b)
Salary
(c)
Bonus
(d)
Stock
Awards
(e)
(1)
Non-Equity
Incentive Plan Compensation
(g)
All Other
Compensation
(i)
(2)
Total
(j)
Jasmine M. Jirele
President and Chief Executive Officer
2023
$
800,000
$
0
$
1,640,232
$
1,093,488
$
45,473
$
3,579,193
2022
$
750,000
$
200,000
$
1,348,875
$
899,250
$
23,810
$
3,221,935
2021
$
561,958
$
390,000
$
1,068,303
$
712,202
$
22,516
$
2,754,979
William E. Gaumond
Senior Vice President, Chief Financial
Officer and Treasurer
2023
$
532,625
$
200,000
$
689,811
$
459,874
$
45,504
$
1,927,814
2022
$
505,225
$
0
$
942,501
$
428,334
$
24,842
$
1,900,902
2021
$
475,900
$
300,000
$
770,958
$
513,922
$
22,437
$
2,083,267
Eric J. Thomes
Senior Vice President, Chief Distribution
Officer
2023
$
579,750
$
0
$
764,483
$
509,656
$
49,169
$
1,903,058
2022
$
555,750
$
0
$
719,772
$
479,848
$
29,026
$
1,784,396
2021
$
535,500
$
320,000
$
867,510
$
578,340
$
22,548
$
2,323,898
Neil H. McKay
Senior Vice President, Chief Actuary
2023
$
523,750
$
0
$
647,408
$
431,605
$
47,550
$
1,650,313
2022
$
517,500
$
0
$
657,981
$
438,654
$
23,622
$
1,637,757
2021
$
510,000
$
50,000
$
926,200
$
550,800
$
24,397
$
2,061,397
Gretchen Cepek
Senior Vice President, General Counsel and
Secretary
2023
$
513,250
$
0
$
633,876
$
362,584
$
45,349
$
1,555,059
2022
$
487,125
$
0
$
549,641
$
366,427
$
23,294
$
1,426,487
2021
$
469,500
$
110,000
$
733,825
$
422,550
$
22,167
$
1,758,042
(1)
Represents the grant date fair value of the RSUs issued pursuant to the AEI.
                    The RSUs vest over a four-year period. The grant price of the RSUs was the arithmetic average of the closing prices of an Allianz SE share in the electronic
                    cash market trading system Xetra (or any successor system) on the date of grant and the nine immediately preceding trading days, less the present value of
                    dividends expected to be paid on one Allianz SE
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share over the vesting period, and less the fair value of the payout restrictions deriving from the vesting
                period and the payout cap. These numbers show the amount realized for financial reporting purposes as calculated in accordance with the FASB ASC Topic 718. Under
                FASB ASC Topic 718, the grant date fair value is calculated using the closing market price of the common stock of Allianz SE on the date of grant, which is then
              recognized over the requisite service period of the award.
(2)
The following table provides additional details regarding compensation found
                    in the "All Other Compensation" column.
Name
Year
Spousal
Travel
(3)
Milestone/
Anniversary/
Recognition
(4)
Life
Insurance
Premiums
Employer
Match to
401(k) Plan
ASAAP
Contribution
(5)
Other
Compensation
(6)
Total
Jasmine M.
Jirele
2023
--
--
$
723
$
22,500
$
2,250
$
20,000
$
45,473
2022
--
$
250
$
685
$
20,500
$
2,375
--
$
23,810
2021
--
$
350
$
416
$
19,500
$
2,250
--
$
22,516
William E.
Gaumond
2023
--
--
$
754
$
24,750
--
$
20,000
$
45,504
2022
--
$
1,270
$
697
$
20,500
$
2,375
--
$
24,842
2021
--
--
$
687
$
19,500
$
2,250
--
$
22,437
Eric J.
Thomes
2023
$
3,545
$
50
$
824
$
24,750
--
$
20,000
$
49,169
2022
$
5,366
--
$
785
$
22,875
--
--
$
29,026
2021
--
--
$
798
$
19,500
$
2,250
--
$
22,548
Neil H. McKay
2023
$
2,039
--
$
761
$
24,750
--
$
20,000
$
47,550
2022
--
--
$
747
$
22,875
--
--
$
23,622
2021
$
200
$
1,700
$
747
$
21,750
--
--
$
24,397
Gretchen
Cepek
2023
$
175
--
$
424
$
24,750
--
$
20,000
$
45,349
2022
--
--
$
419
$
22,875
--
--
$
23,294
2021
--
--
$
417
$
21,750
--
--
$
22,167
(3)
Represents reimbursement or payments made to defray the costs of a spouse's
                    travel.
(4)
Represents Milestone Anniversary Program, which pays a bonus at three and
                    five year anniversaries, and then every five years thereafter.
(5)
Represents company matching contribution to the Allianz Supplemental Asset
                    Accumulation Plan for deferrals in excess of IRS compensation limit.
(6)
Represents reimbursement under the Lifestyle Spending Account for financial
                    planning, tax preparation services and other eligible expenses supporting NEO's wellbeing.
(7)
Represents severance arrangement payable. Ms. Mahone was entitled to a
                    severance arrangement of a lump sum cash payment of $660,000 upon separation.
Performance-Based Incentive Compensation Plans
AIP
The AIP is intended to provide an incentive that will encourage superior individual performance and encourage retention of employees who have demonstrated exceptional performance or who are anticipated to significantly contribute to the long-term success of Allianz Life. The AIP seeks to accomplish this purpose by providing a bonus opportunity to eligible employees
                  who have made significant contributions during the plan year to the achievement of annual goals and objectives. The guidelines for target awards are meant to
                  be illustrative of competitive market bonuses for similar job levels in the marketplace. While the target awards may be used for illustrative, budget
                  planning, or distribution scenarios, all bonus awards are discretionary and are in no way guaranteed.
The Compensation Committee or other duly authorized committee determines allocation of bonus awards to employees. With respect to "principal officers" for purposes of the NEC Committee's duties, the NEC Committee recommends to Allianz Life's Board of Directors awards for final approval.
AEI
The AEI is designed to recognize the participant's continuous employment with Allianz Life over the relevant period and shall be an incentive to continue employment. Grants under the AEI will generally only be made if the participant is employed with Allianz Life at the date of grant. Payments will be made only if the participant remains employed with Allianz Life
                  during the vesting period of the RSU, or leaves employment under circumstances set out in the AEI, including after retirement or early retirement eligibility,
                  disability, or under certain other circumstances. The securities issuable under the AEI are RSUs. An RSU constitutes the right to receipt of the market value
                  of Allianz SE common stock at the time of exercise. This amount will be paid in cash. RSUs are subject to a four-year vesting period. At the end of the
                  four-year vesting period, the RSUs are exercised uniformly for all participants, provided they remain employed by Allianz Life, terminate after retirement or early retirement eligibility, or under certain other circumstances. Vesting and exercise may accelerate if a participant leaves employment under other "good leaver" circumstances set forth in the AEI. The grant at fair value cannot be greater than 165% of a participant's target amount. The maximum value of an exercise is an increase of 200% over the grant value (i.e., 300% of the grant value).
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Grants of Plan-Based Awards
The following table provides additional information about plan-based compensation disclosed in the Summary Compensation Table. This table includes both equity and non-equity awards granted for the year ended December 31, 2023.
Name
(a)
Grant Date
(b)
Estimated Future Payouts Under
                            Non-Equity
Incentive Plan Awards
(1)
Estimated Future Payouts Under Equity
                            Incentive
Plan Awards
(2,3)
Threshold ($)
(c)
Target ($)
(d)
Maximum ($)
(e)
Threshold ($)
(f)
Target ($)
(g)
Maximum ($)
(h)
Jasmine M. Jirele
3/8/2024
RSUs (under AEI)
$
0
$
1,320,000
$
5,940,000
AIP Award
$
0
$
880,000
$
1,320,000
William E. Gaumond
3/8/2024
RSUs (under AEI)
$
0
$
575,322
$
2,588,949
AIP Award
$
0
$
383,548
$
575,322
Eric J. Thomes
3/8/2024
RSUs (under AEI)
$
0
$
626,215
$
2,817,968
AIP Award
$
0
$
417,477
$
626,216
Neil H. McKay
3/8/2024
RSUs (under AEI)
$
0
$
565,668
$
2,545,506
AIP Award
$
0
$
377,112
$
565,668
Gretchen Cepek
3/8/2024
RSUs (under AEI)
$
0
$
462,008
$
2,079,036
AIP Award
$
0
$
308,005
$
462,008
(1)
The target and maximum columns show the target award and maximum award for
                    2023 for each NEO under the AIP. There is no threshold amount for any participant in the AIP. The actual 2023 awards granted to the NEOs are listed in the
                    Non-Equity Incentive Compensation column of the Summary Compensation Table. AIP target and maximum awards are a pre-designated percentage of base salary
                    determined at the executive's level.
(2)
RSUs have a vesting schedule as disclosed in the footnotes to the Summary
                    Compensation Table. See "Outstanding Equity Awards at December 31, 2023" for disclosure regarding the number of RSUs that are unvested as of December 31,
                    2023.
(3)
The target and maximum columns show the target award and maximum award for
                    2023 for each NEO under the AEI. There is no threshold amount for any participant in the AEI. The actual 2023 awards granted to the NEOs are listed in the
                    Stock Awards column of the Summary Compensation Table.
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Outstanding Equity Awards at December 31, 2023
The following table sets forth the outstanding equity awards at the December 31, 2023 fiscal year-end. The table shows RSUs granted pursuant to the AEI.
Name
(a)
RSUs
Number of RSUs
That Have Not
Vested
(g)
(1,2)
Market Value of
RSUs That Have
Not Vested
(h)
(3)
Jasmine M. Jirele
1,886
$
505,090
2,407
$
644,619
6,195
$
1,659,083
7,371
$
1,974,028
William E. Gaumond
1,948
$
521,694
2,463
$
659,616
4,471
$
1,197,379
5,150
$
1,379,222
Eric J. Thomes
1,474
$
394,752
3,625
$
970,811
5,031
$
1,347,352
3,933
$
1,053,297
Neil H. McKay
2,123
$
568,561
2,503
$
670,328
5,362
$
1,435,997
3,596
$
963,045
Gretchen Cepek
1,512
$
404,929
1,789
$
479,112
4,246
$
1,137,121
3,003
$
804,233
(1)
Represents unvested RSUs issued pursuant to the AEI. RSUs issued under the
                    AEI during 2023 are subject to a four-year vesting period from the grant date. At the end of the respective vesting period, the RSUs are exercised uniformly
                    for all participants, provided they remain employed by Allianz Life or terminate after retirement or early retirement eligibility, or under certain other
                    circumstances. Vesting and exercise may accelerate if a participant leaves employment under other "good leaver" circumstances set forth in the AEI.
(2)
For each of the NEOs, the number of RSUs listed on the first line were
                    exercised in 2024, the RSUs listed on the second line will exercise in 2025, the RSUs listed on the third line will exercise in 2026, and the RSUs listed on
                    the fourth line will exercise in 2027.
(3)
Based on an assumed stock price of $267.81 per share, which was the
                    arithmetic average of the closing prices of an Allianz SE share in the electronic cash market trading system Xetra (or any successor system) on December 29,
                    2023 and the nine immediately preceding trading days, converted from Euros into U.S. dollars.
Allianz SE Option Exercises and Stock Grants Vested in 2023
The following table summarizes the value received from Allianz SE stock grants vested during the year ended December 31, 2023.
Name
Stock Awards
Number of
Shares
Acquired
on Vesting (#)
Value Realized
on Vesting ($)
(1)
Jasmine M. Jirele
1,467
$
341,350
William E. Gaumond
1,538
$
357,870
Eric J. Thomes
457
$
106,337
Neil H. McKay
1,731
$
402,779
Gretchen Cepek
1,413
$
328,785
(1)
Represents Allianz SE RSUs that were exercised during 2023 pursuant to the
                    AEI. Amounts realized were paid in cash.
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Executive Severance Plan
Executive officers who have the title of Senior Vice President or above and report directly to a senior executive officer at a specific level or title of Chief Executive Officer are eligible to receive severance benefits under the Executive Severance Plan if they experience a qualifying termination of employment, meaning an involuntary termination for any reason other than for "cause" with no offer of an equivalent position, and otherwise satisfy the conditions set forth in the plan. The purpose
                  of the Executive Severance Plan is to provide severance benefits to executive officers whose employment is involuntarily terminated in a qualifying
                  termination of employment in order to assist with job transition. Pursuant to the Executive Severance Plan, eligible executive officers who are involuntarily
                  terminated in a qualifying termination of employment will receive a lump sum cash payment equal to one and one-half times their "annual base pay" in effect at
                  the time of termination. Annual base pay, for purposes of this agreement, equals base salary and excludes special payments, such as bonuses, expense reimbursements, living, or other allowances. Eligible executive officers would also be entitled to continuation of medical and dental coverage at employee premium rates for a period of 18 months following termination, if the executive officer timely elects continuation coverage and pays the required premiums.
The following table shows the lump sum payments that would have been payable to each of our NEOs had they been terminated on December 31, 2023 and been eligible for severance payments pursuant to the Executive Severance Plan.
NEOs
Lump Sum Payment
Jasmine M. Jirele
$
1,200,000
William E. Gaumond
$
807,750
Eric J. Thomes
$
878,250
Neil H. McKay
$
787,500
Gretchen Cepek
$
780,000
Director Compensation
The following table provides information on compensation paid to the directors of Allianz Life for the year ended December 31, 2023.
Name
Fees Earned
or Paid in
Cash
($)
(1)
Total
($)
(a)
(b)
(h)
Andreas G. Wimmer
(2)
Chair of the Board
N/A
N/A
Jasmine M. Jirele
(3)
President and Chief Executive
Officer
N/A
N/A
William E. Gaumond
(3)
Senior Vice President, Chief
Financial Officer and Treasurer
N/A
N/A
Lauren Kathryn Day
(2)
Non-Independent Director
N/A
N/A
Walter R. White
Former President and Chief
Executive Officer; Independent
Director
$
67,500
$
67,500
Howard E. Woolley
Independent Director
$
67,500
$
67,500
Kevin E. Walker
Independent Director
$
67,500
$
67,500
Udo Frank
Independent Director
$
97,500
$
97,500
(1)
Represents cash compensation provided to our independent directors that is
                    formalized in the Non-Employee Director Compensation Plan for the year ended December 31, 2023.
(2)
Mr. Wimmer and Ms. Day did not receive any compensation for their services as
                    directors since they are employed by one of our affiliates.
(3)
As employee directors, Ms. Jirele and Mr. Gaumond did not receive any
                    compensation for their service as directors. The compensation Ms. Jirele and Mr. Gaumond received as executive officers of Allianz Life is disclosed in the
                    Summary Compensation Table as set forth herein.
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CEO Pay Ratio
In accordance with SEC rules, we determined the annual total compensation of our median compensated employee and present a comparison of that annual total compensation to the annual total compensation of our President and Chief Executive Officer ("CEO"), Jasmine M. Jirele.
•
The 2023 annual total compensation of our CEO was $3,579,193.
•
The 2023 annual total compensation of our median compensated employee was
                    $114,941.
Accordingly, we estimate the ratio of our CEO's annual total compensation to the annual total compensation of our median compensated employee for 2023 was 31 to 1.
Determining the Median Compensated Employee
In 2023, we determined the median compensated employee by collecting compensation data for all employees, including full-time, part-time, seasonal, and temporary employees, excluding our CEO, employed by the Company as of December 31, 2023. We selected December 31, 2023 as the date upon which we would identify the median employee because it enabled us to
                  make such identification in a reasonably efficient manner and it aligns with the methodology used in the other compensation-based disclosures above. As of
                  December 31, 2023, our employee population consisted of 2,108 individuals. We do not have any employees who work outside of the U.S.
We identified our median compensated employee, using total compensation as our compensation measure, which included annual base salary, cash-based incentive compensation, long-term incentive compensation, and sales-based incentive compensation earned for 2023, plus employer contributions to the Allianz Asset Accumulation Plan, life insurance premiums, and other
                  compensation. Compensation for full-time employees hired after January 1, 2023, was annualized for the full year 2023. We did not make any cost of labor
                  adjustments as the majority of our employees are compensated based upon the cost of labor in Minneapolis, MN, the location of our corporate headquarters. We
                  did not include amounts representing employer medical and dental contributions. This methodology was consistently applied to all our employees included in the calculation and is consistent with the methodology we use for our NEOs as set forth in the 2023 Summary Compensation Table.
Our pay ratio and compensation amount have been calculated using methodologies and assumptions consistent with SEC rules. The ratio and compensation amount may not be directly comparable to those of other companies because the methodologies and assumptions used to identify the median employee and determine that employee's total compensation may vary
                  significantly among companies.
Security Ownership of Certain Beneficial Owners and Management
We are an indirect wholly owned subsidiary of Allianz SE. Allianz SE's principal executive offices are located at Königinstrasse 28, 80802 Munich, Germany. As of March 31, 2024, the directors and executive officers of Allianz Life held less than 1% of Allianz SE's ordinary shares issued and outstanding.
Transactions with Related Persons, Promoters and Certain Control Persons
We are a wholly owned subsidiary of AZOA, which is a wholly owned subsidiary of Allianz Europe B.V. Allianz Europe B.V. is a wholly owned subsidiary of Allianz SE, our ultimate parent, which is registered in Munich, Germany.
Business and Operational Risks Relevant to the Contract
As an insurance company, a number of risks may affect our business. However, because the Contract (and any other insurance contract that we offer) is a regulated insurance product, as opposed to an investment in our business, many of the risks that may be relevant to an investor in our business are unlikely to be relevant to you. The risks described below are only those business and operational risks that are likely to be relevant to you as a purchaser of the Contract.
Risks Primarily Related to Our Financial Strength and Claims-Paying Ability
We make Annuity Payments, pay death benefits, and apply Performance Credits for this Contract from our general account. We also pay benefits for other insurance contracts from our general account, and our general account is subject to claims by our creditors. Our ability to make payments from our general account is subject to our financial strength and claims-paying ability. The following risks relate to circumstances and events that may negatively affect our general account and,
                  in turn, our financial strength and claims-paying ability.
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Financial losses may threaten our financial strength and claims-paying ability.
As an Owner of the Contract, you do not share in the profits and losses generated by our business. However, if we were to experience significant losses, we might not have sufficient assets in our general account to satisfy all of our financial obligations under the Contract. Circumstances and events that may result in financial losses include, but are not necessarily limited to, the circumstances and events listed below. We cannot predict the specific impact any of these circumstances or events may ultimately have on our financial strength or claims-paying ability.
•
Difficult Economic Conditions.
Our financial condition is affected by conditions in the global capital markets and the economy
                    generally. During an economic downturn, the demand for our financial insurance products and services could be adversely affected. In addition, an economic
                    downturn could cause the number and amount of full and partial withdrawals under our insurance products to increase significantly, and owners of our
                    insurance products may choose to defer making purchase payments, defer paying insurance premiums, or stop paying them altogether.
•
Unfavorable Interest Rate Environments.
During periods of declining interest rates, we may experience financial losses as the
                    spread between interest rates that we credit to customers under our insurance products and returns on our investments tighten. A sustained low interest rate
                    environment presents challenges for us and other life insurance companies, as it generally reduces investment returns, raises the value of future
                    obligations, and challenges asset-liability matching. During periods of increasing interest rates, we may experience financial losses due to increases in full and partial withdrawals under our insurance products as our customers choose to forgo insurance protection in favor of potentially higher returns. In an attempt to curb rising inflation, the Federal Reserve and other central banks raised
                    interest rates multiple times in 2022 and 2023. It is unclear whether and how interest rates will change in future periods. Although we take measures to
                    manage economic risks associated with different interest rate environments, we may not be able to fully mitigate those risks.
•
Losses on Fixed Maturity Investments.
Our fixed maturity investments are subject to interest rate risk and credit risk. Interest
                    rate risk refers to how the values of our fixed maturity investments fluctuate in response to changes in market interest rates. Increases and decreases in
                    prevailing interest rates generally result in decreases and increases, respectively, in the values of our fixed maturity investments. Credit risk refers to
                    the risk that a counterparty will default on its commitments to us under a fixed maturity investment. See "Defaults by Counterparties" below.
•
Losses on Equity Investments.
Our equity investments are generally valued based on quoted market prices and are subject
                    to market risk. Market risk refers to how market prices for equity investments are subject to fluctuation. A downward fluctuation in the market price for an
                    equity investment could result in losses upon the sale of that investment. Fluctuations in market prices may result from, among other things, actual or
                    perceived changes in the attractiveness of specific investments or in general market conditions.
•
Losses on Real Estate Investments.
A portion of our investment portfolio consists of mortgage loans and mortgage-backed
                    securities related to commercial, agricultural and residential real estate. The value of our real estate investments may be negatively impacted by general,
                    regional, and local economic conditions in the real estate sector, such as supply and demand, market volatility, interest rate fluctuations, vacancy rates,
                    and geographic and extreme weather risks, as well as the creditworthiness of obligors.
•
Losses upon the Sale of Illiquid Investments.
We hold certain investments that may lack liquidity, such as privately placed fixed
                    maturity investments, mortgage loans, collateralized debt obligations, commercial mortgage-backed securities, equity real estate and limited partnership
                    interests. Although we seek to minimize the likelihood that we would need to sell illiquid investments, if we were required to liquidate these investments
                    on short notice, we may have difficulty doing so and may be forced to sell them for less than their fair value.
•
Prolonged and Elevated Inflationary Periods.
During inflationary periods, the value of our fixed maturity investments may fall. See
                    "Losses on Fixed Maturity Investments" above. Inflation also increases expenses, which will negatively impact our financial condition in the event that such
                    additional costs cannot be offset. Prolonged and elevated inflation could adversely affect the financial markets and the economy generally, and dispelling
                    it may require governments to pursue a restrictive fiscal and monetary policy, which could constrain overall economic activity and our growth. Recently, the economy has experienced elevated inflation and inflationary pressures, which may continue in future periods.
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•
Loss of Market Share to Competitors.
There is strong competition among insurers, banks, brokerage firms and other financial
                    institutions and providers seeking clients for the types of products and services that we provide. A loss of market share to our competitors could result in
                    financial losses to our business. Our ability to successfully compete is dependent on numerous factors, some of which include the successful implementation
                    of our business strategy, our financial strength, the attractiveness of our products and services, our relationships with distributors, and our reputation.
                  Our ability to compete may also be hindered if our competitors obtain or seek to enforce intellectual property rights against us, or if we are otherwise precluded from offering products or services that are in demand. Our ability to compete may also be hindered if we are not able to protect or enforce our own intellectual property rights.
•
Defaults by Counterparties.
Third-parties that owe us, or hold on our behalf (i.e., custodians), money, securities, or other assets may not fulfill their obligations to us. These parties may include issuers of investments that we may hold, borrowers
                    under loans that we may hold or extend, reinsurers, counterparties under swap and other derivative contracts and other third-parties (e.g., customers,
                    trading counterparties, brokers, dealers, banks, investment funds, clearing agents, exchanges and clearing houses). In addition, with respect to secured
                    transactions, the risk of default may be exacerbated when the collateral held by us, or for us, cannot be fully recovered, cannot be liquidated or is
                    liquidated at a price that is not sufficient to cover the full amount owed to us. A party may default on its obligations for a variety of reasons, including bankruptcy, lack of liquidity, downturns in the economy or real estate market and operational failure. General economic conditions and trends may also result in increased defaults.
•
Impairments of Other Financial Institutions.
We routinely execute transactions with counterparties in the financial services industry,
                    including brokers, dealers, commercial banks, investment banks, insurers, reinsurers and other investment and financial institutions. A disruption to, or
                    decline in the financial condition of, such financial institutions may expose us to financial losses. Multiple bank failures in 2023 resulted in periods of
                    market disruption and volatility and reduced confidence in depository institutions. While these events did not significantly impact our business, if banks or other financial institutions with whom we do business were to enter into receivership or become insolvent in the future, there could be an adverse effect on our business and financial condition.
•
Payments through Guaranty Associations.
When an insurance company becomes insolvent, state insurance guaranty associations have
                    the right to assess other insurance companies doing business in their state for funds to pay obligations to policyholders of the insolvent company, up to
                    the state-specified limit of coverage. The future failure of a large life, health or annuity insurer could trigger assessments which we would be obligated
                    to pay. Further, amounts for historical insolvencies may be assessed over many years, and there can be significant uncertainty around the total obligation
                    for a given insolvency.
•
Ineffectiveness of Risk Management Policies.
Our risk management policies and procedures intended to identify, monitor and manage
                    economic risks may not be fully effective at mitigating our risk exposure in all market environments or against all types of risk. This could cause us to
                    incur investment losses or cause our hedging and other risk management strategies to be ineffective.
•
Impacts of Climate Conditions.
We are exposed to economic risks related to climate conditions (i.e., long-term weather patterns).
                    Our financial condition could be negatively impacted by increased costs, or financial losses on investments, arising from various events related to climate
                    conditions, such as changes in public policy, changes in global investment asset values, systemic risk to financial systems, short-term or long-term market
                    disruptions, changes in mortality/morbidity assumptions, changes in consumer behavior, business disruptions, extreme weather events, litigation, increased regulatory requirements, advancements in technology, and longer-term shifts in weather patterns. Climate conditions could also impact the types of assets in which we invest. For example, a government mandated transition to a lower-carbon economy could require us (or we could voluntarily choose) to invest less in carbon-based industries,
                    even though investments in carbon-based industries may have better returns in the short or long term. In addition, real estate investments may expose us to
                    greater climate risk, as climate conditions may negatively impact market prices or supply and demand, and may make extreme weather events more likely or
                    frequent. Further, we may not be able to adequately predict and mitigate climate risk due to significant uncertainty and unknowns regarding the manifestations and timing of climate-driven events, absence of adequate historical data that captures this risk and the dependency of this risk on the extent of the actions taken in the short term by governments, corporations and communities around the world.
Changes in applicable law may negatively affect our financial strength and claims-paying ability.
We are subject to detailed and comprehensive regulation and supervision in all the jurisdictions in which we operate. Our operations, products and services are subject to varying state and federal laws. In addition, our operations, products and services are regulated by various regulatory authorities and self-regulatory authorities including state insurance
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departments, state securities administrators, state banking authorities, the Securities and Exchange Commission ("SEC"), the Financial Industry Regulatory Authority, the Internal Revenue Service, the Department of Labor, and the U.S. Commodity Futures Trading Commission.
Changes to federal and state laws and regulations may materially affect the way in which we conduct our business. We are faced with significant challenges due to the fact that our regulatory environment is evolving rapidly. Federal and state governments, including federal and state regulatory authorities, have become increasingly active in the regulation of the businesses in which we engage. In addition, federal and state regulatory authorities are assuming active, and in some cases increasingly aggressive, roles in interpreting and enforcing laws and regulations related to our business. We cannot predict the potential effects that any new laws or regulations, changes in existing laws or regulations, or the interpretation or enforcement of laws or regulations may have on our business, but such changes may negatively affect our financial strength and claims-paying ability. Below, we summarize areas of applicable law that have been subject to substantial change in recent
                  years.
Cyber-Security and Data Privacy.
We are
                  subject to federal and state laws, regulations, and directives that require financial institutions and other businesses to protect the security of computer
                  systems and the confidentiality of personal information. Financial regulators continue to focus on data privacy and cyber-security, have communicated
                  heightened expectations with respect to security and regulatory compliance, and have increased emphasis in this area in their examinations of regulated entities. Recently, the SEC has proposed new rules that would require the Company's registered separate accounts to adopt and implement comprehensive cyber-security policies and procedures and disclose significant cyber-security incidents in the prospectuses for variable contracts. Also, many states have adopted comprehensive privacy and data
                  protection laws, and insurance regulatory activity related to privacy, data protection and cyber-security also continues to increase. For example, the
                  National Association of Insurance Commissioners ("NAIC") is considering a new Consumer Privacy Protection Model Law (to replace the corresponding existing
                  model law) that would include stronger provisions related to consumer rights, consent, and notification, as well as third-party service agreements, data
                  retention and deletion policies, and data sharing agreements. We actively monitor regulatory developments in this area, and may be subject to increased compliance costs, regulatory requirements, and legal proceedings as new laws become effective.
Standards of Care.
The SEC adopted rules
                  effective on June 30, 2020 (i) imposing a "best interest" standard of care on broker-dealers making recommendations to their customers ("Regulation BI") and
                  (ii) requiring broker-dealers and investment advisers to provide a written summary of the relationship between a broker-dealer or investment adviser, as applicable, and its customer. Since its adoption, Regulation BI has been a focus of SEC examinations and enforcement activity. These rules have increased our overall compliance costs and could also increase our exposure to legal claims in certain
                  circumstances, including an increased risk of regulatory enforcement actions or potentially private claims.
Various states have also adopted laws raising the standard of care owed by broker-dealers, investment advisers, or insurance agents to their customers. For example, at least 40 states have adopted the NAIC revisions to its Suitability in Annuity Transactions Model Regulation, which imposes a requirement that any recommendation of an annuity product be in the consumer's best interest. Some states have also adopted laws that differ from the NAIC's Suitability in Annuity Transactions
                  Model Regulation but impose similar obligations. As changes are adopted by our state regulator(s) and made applicable to us or the third-party firms that
                  distribute our products, they could have an adverse impact on our business. In states that have adopted these increased standards with respect to annuity
                  recommendations, this may lead to an increased risk of regulatory enforcement actions or potentially private claims.
In addition, sales of annuities to employee benefit plans governed by provisions of the Employee Retirement Income Security Act ("ERISA") and to IRAs governed by similar provisions under the Internal Revenue Code are subject to restrictions that require ERISA fiduciaries to perform their duties solely in the interests of ERISA plan participants and beneficiaries,
                  and that prohibit ERISA fiduciaries from causing a covered plan or retirement account to engage in certain prohibited transactions absent an exemption. The
                  definition of a "fiduciary" as it relates to ERISA plans and IRAs has been the subject of multiple Department of Labor rulemaking initiatives, interpretive
                  guidance releases, and subsequent legal challenges in recent years. On October 31, 2023, the Department of Labor proposed rule amendments that would broaden the circumstances under which fiduciary duties are imposed, particularly with regard to recommendations to "rollover" assets from a qualified retirement plan to an IRA or from an IRA to another IRA.
We continue to closely monitor these ongoing regulatory developments. It remains unclear the extent to which these regulatory initiatives and the evolving nature of enforcement and interpretation of them could ultimately affect how our insurance products are marketed and distributed. Any of the foregoing regulatory and legislative measures (or judicial matters on those measures), or the reaction to such activity by consumers or other members of the insurance industry could
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have an adverse impact on our ability to sell annuities and other products, and to retain in-force business.
                Inconsistencies among the rules adopted by the SEC, the DOL, and state insurance regulators could increase this impact.
Artificial Intelligence.
State regulators
                  and the NAIC are evaluating existing regulatory frameworks for insurance industry use of artificial intelligence, machine learning, and large language models
                  ("AI"). Regulators are concerned about the privacy and protection of individual consumer data and about bias and discrimination resulting from the use of AI
                  in algorithms and predictive models, as may be used either directly by insurance companies or indirectly through third party service providers. For example, in December 2023, the NAIC adopted a model bulletin on the use of AI by insurers, which was intended to remind insurance companies that decisions impacting consumers that are made or supported by advanced analytical and
                  computational technologies, including AI, must comply with all applicable insurance laws and regulations, including unfair trade practices. The bulletin also
                  sets forth state insurance regulators' expectations on how insurers should govern the use of such technologies by or on behalf of the insurer to make or
                  support such decisions. Our adoption of new AI technologies may be inhibited by the emergence of industry-wide standards, a changing legislative and
                  regulatory environment, and other factors. In addition, our adoption of new AI technologies may expose us to increased compliance costs and heightened regulatory risks.
Our reserves could be inadequate due to differences between our actual experience and management's estimates and assumptions.
We establish and carry reserves to pay future benefits and claims of contract owners. Our reserves are calculated based on a number of estimates and assumptions, including estimates and assumptions related to future mortality, morbidity, interest rates, future equity performance, reinvestment rates, persistency, claims experience, and contract owner elections (i.e., the exercise or non-exercise of contract benefits). The assumptions and estimates used in connection with the reserve estimation process are inherently uncertain, involve the exercise of significant judgment and reflect evolving information. For
                  example, the current rates of mortality and morbidity may continue to improve in the future due to medical and technological advancements that result in
                  contract owners living longer than anticipated. We periodically review the adequacy of reserves and the underlying assumptions and make adjustments when
                  appropriate. We cannot, however, determine with precision the amounts that we will pay for, or the timing of payment of, actual benefits and claims or whether the assets supporting the contract liabilities will grow to the level assumed prior to payment of benefits or claims. If actual results differ significantly from our estimates and assumptions, our claim costs could increase significantly and our reserves could be inadequate. If so, we will be required to increase reserves. However, we cannot be certain that our reserves will ultimately be sufficient to pay future benefits and claims of contract owners.
The amount of statutory capital that we must hold to meet our statutory capital requirements can vary significantly from time to time.
Statutory accounting standards and capital and reserve requirements are prescribed by the applicable state insurance regulators and the NAIC. State insurance regulators have established regulations that govern reserving requirements and provide minimum capitalization requirements based on risk-based capital ("RBC") ratios for life insurance companies. In any
                  particular year, statutory surplus amounts and RBC ratios may increase or decrease depending on a variety of factors, including but not limited to, the amount
                  of statutory income or losses that we generate, changes in reserves, the amount of additional capital that we must hold to support business growth, changes in
                  equity market levels, the value of certain fixed-income and equity securities in our investment portfolio, changes in interest rates, and changes to existing
                  RBC formulas. Additionally, state insurance regulators have significant leeway in interpreting existing regulations, which could further impact the amount of statutory capital or reserves that we must maintain. There can be no assurance that we will be able to maintain our current RBC ratio in the future or that our RBC ratio will not fall to a level that could have a material adverse effect on our business. If we are unable to maintain minimum capitalization requirements, our business may be subject to significant increases in supervision and control by state insurance regulators.
Litigation and regulatory proceedings may negatively affect our financial strength and claims-paying ability.
We have been named as defendants in lawsuits (both class actions and individual lawsuits) and have been involved in various regulatory investigations and examinations, and we may be involved in more in the future. These actions arise in various contexts, including in connection with our activities as an insurer, securities issuer, employer, investor, and taxpayer. Lawsuits and regulatory proceedings may involve significant amounts of damages (including punitive damages) or fines that
                  we must pay, and certain regulatory authorities involved in regulatory proceedings have substantial power over our business operations. An adverse outcome in
                  any lawsuit or regulatory proceeding that results in significant financial losses or operational burdens may negatively affect our financial strength and
                  claims-paying ability.
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Reinsurance may not be available or affordable, or may not be adequate to protect against harm to our
                financial strength and claims-paying ability.
As part of our overall risk management strategy, we purchase reinsurance for certain risks underwritten by our various business segments. While reinsurance agreements generally bind the reinsurer for the life of the business reinsured at generally fixed pricing, market conditions beyond our control can determine the availability and cost of the reinsurance protection
                  for new business. If we are unable to purchase the desired amount of reinsurance protection on acceptable terms, our risk of loss may increase. As our risk of
                  loss increases, so does the risk that we may not be able to meet our financial obligations.
Our hedging programs may be inadequate to protect against harm to our financial strength and claims-paying ability.
Certain types of insurance and investment products that we offer expose us to risks associated with fluctuations in financial markets. Although we use hedging techniques to manage risks associated with our insurance guarantees, increased volatility in the financial markets and unanticipated contract owner behavior may increase the cost of these hedges and/or negatively
                  affect our ability to hedge certain risks. We may lose money on the derivatives that we hold as part of our hedging programs or otherwise. Ultimately, our
                  hedging programs may be inadequate to protect us against the full extent of the exposure or losses we seek to mitigate, which in turn may negatively impact
                  our financial strength and claims-paying ability.
Downgrades and potential downgrades to our claims-paying and financial strength ratings may signal a higher risk that we may be unable to meet our financial obligations, and may themselves negatively affect our financial strength and claims-paying ability.
Our claims-paying and financial strength ratings, which various ratings organizations publish as measures of an insurance company's ability to meet contract owner obligations, are important to maintaining public confidence in Allianz Life and our products, and the ability to market our products and services. A downgrade or an announced potential downgrade by credit rating agencies in our claims-paying and financial strength ratings may reflect an increased risk that we may not be able to
                  meet our financial obligations. Any such downgrade or potential downgrade may itself harm our financial strength and claims-paying ability by causing
                  financial losses to our business. Such losses may be the result of:
•
reductions in new sales of insurance products, annuities and other investment
                    products;
•
increases in our cost of capital or limitations on our access to sources of
                    capital;
•
harm to our relationships with distributors and sales specialists;
•
increases in the number or amount of full and partial withdrawals under our
                    insurance products;
•
pressure on us to reduce prices or increase crediting rates for many of our
                    insurance products; and
•
harm to our ability to obtain reinsurance or obtain reasonable pricing for
                    reinsurance.
Similarly, credit rating agencies also evaluate the insurance industry as a whole and may change Allianz Life's and other insurance companies' financial strength ratings based on the agencies' overall view of the industry. It is possible that Allianz Life's credit rating could be similarly downgraded in the future based on credit rating agencies' evaluation of the life insurance industry as a whole due to changes in their view of Allianz Life relative to the industry or a change in their rating assessment methodologies. In addition, downgrades or announced potential downgrades in the financial strength ratings of the financial institutions with which we do business may adversely impact our business operations and may cause
                  financial losses to our business.
The evolving landscape of environmental, social and governance standards could adversely affect our reputation or business results and could lead to litigation or regulatory proceedings that harm our financial condition.
Customers, regulators, and other market participants may evaluate our business or other practices according to a variety of environmental, social and governance ("ESG") standards, expectations, or metrics, all of which may evolve, may be subjective or underdeveloped in nature, and may reflect contrasting or conflicting values. Standard-setting organizations and
                  regulators including, but not limited to, the NAIC, SEC, and state insurance regulators, have proposed or adopted, or may propose or adopt, ESG rules or
                  standards applicable to us. For example, the NAIC has generally modified the Insurer Climate Risk Disclosure survey to align with aspects of the Financial
                  Stability Board's Task Force on Climate-Related Financial Disclosures ("TCFD") framework, a recognized framework of recommendations that were developed to
                  enhance climate-related disclosures. In addition, the SEC has recently adopted new disclosure rules that will generally require a wide range of registered companies to prepare extensive disclosures and financial information on climate-related risk in their registration statements and periodic reports filed with the SEC. Also, in October 2023, the Governor of California
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signed two bills into law that will require significant climate-related disclosures  by large entities doing business in
                that state. In addition, certain organizations that provide information to investors have developed ratings for evaluating companies on their approach to different ESG matters. Due to the sometimes conflicting, uncertain, and subjective ESG regulatory and market environment, we may be seen as acting inconsistently with ESG standards or values from the perspective of certain
                customers, regulators, or other constituents. As a result, we may face adverse regulatory, customer, media, or public scrutiny related to ESG that potentially
                could have a negative impact on our business or reputation or lead to legal challenges.
Risks Primarily Related to Our Business Operations
Breaches of security, or interference with our technology infrastructure, could harm our business.
Our business relies on technology systems and networks, including systems and networks managed by third parties to process, transmit and store information, and to conduct business activities and transactions with clients, distributors, vendors, and other third parties. We are also subject to certain federal and state regulations that require us to establish and maintain policies and procedures designed to protect sensitive client information. Maintaining the integrity of our systems is critical to the success of our business operations, including the retention of clients, and to the protection of our clients' personal information. To date, we have not identified any material breaches or interference with our systems and networks; however, we routinely encounter and address such threats, including an increasing frequency of phishing scams, introductions of malware and unauthorized payment requests. Any such breaches or interference by third parties or by our employees that
                  may in the future occur could have a material adverse impact on our business operations and our financial condition.
Publicly-reported cyber-security threats and incidents have dramatically increased in recent years, and financial services companies and their third-party service providers are increasingly the targets of cyber-attacks involving the encryption and/or threat to disclose personal or confidential information (e.g., ransomware) or disruptions of communications (e.g., denial of service) to extort money or for other malicious purposes. The techniques used to attack systems and networks change frequently, are becoming more sophisticated, and can originate from a wide variety of sources. The use of remote or flexible
                  work arrangements, remote access tools, and mobile technology have expanded potential targets for cyber-attack.
We have implemented and maintain security measures designed to protect against breaches of security and other interference with systems and networks resulting from attacks by third parties, including hackers, and from employee error or malfeasance. We also require third party vendors who, in the provision of services to us, are provided with or process information pertaining to our business or our clients to meet certain information security standards. Changes in our technology platforms may also require corresponding changes in our systems, networks and data security measures. In addition, the
                  increasing reliance on technology systems and networks and the occurrence and potential adverse impact of attacks on such systems and networks, both generally
                  and in the financial services industry, have enhanced government and regulatory scrutiny of the measures taken by companies to protect against cyber-security
                  threats. As these threats, and government and regulatory oversight of associated risks, continue to evolve, we may be required to expend additional resources to enhance or expand upon the security measures we currently maintain.
Despite the measures we have taken and will in the future take to address and mitigate these risks, we cannot ensure that our systems and networks will not be subject to breaches or interference. Any such event may result in operational disruptions as well as unauthorized access to or the disclosure or loss of our proprietary information or our clients' personal
                  information, which in turn may result in legal claims, regulatory scrutiny and liability, reputational damage, the incurrence of costs to eliminate or
                  mitigate further exposure, the loss of clients or other damage to our business. Any such event may interfere with, impede or cause delays in our calculation
                  of values, processing of transactions and making of payments under the Contract. In addition, the trend toward broad consumer and general public notification
                  of such incidents could exacerbate the harm to our business operations and our financial condition. Even if we successfully protected our technology infrastructure and the confidentiality of sensitive data, we may incur significant expenses in responding to any such attacks as well as the adoption and maintenance of appropriate security measures. Although we maintain
                  cyber-security insurance coverage against costs resulting from cyber-security incidents, it is possible losses will exceed the amount available under our
                  coverage. We could also suffer harm to our business and reputation if attempted security breaches are publicized. We cannot be certain that advances in
                  criminal capabilities, discovery of new vulnerabilities, attempts to exploit vulnerabilities in our systems, data thefts, physical system or network break-ins
                  or inappropriate access, or other developments will not compromise or breach the technology or other security measures
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protecting our networks and systems used in connection with our products and services. It is possible that a cyber-security
              incident could persist for an extended period of time without detection. There may be an increased risk of cyberattacks during periods of geo-political or military conflict.
The failure to protect our clients' confidential information and privacy could adversely affect our business.
A number of our businesses are subject to privacy regulations and confidentiality obligations, including the Gramm-Leach-Bliley Act and state privacy laws and regulations. We also have contractual obligations to protect certain confidential information we obtain from our existing vendors and clients. These obligations generally include protecting such confidential
                  information in the same manner and to the same extent as we protect our own confidential information. The actions we take to protect confidential information
                  vary by business segment and may include, among other things:
•
training and educating our employees regarding our obligations relating to
                    confidential information;
•
monitoring changes in state or federal privacy and compliance requirements;
•
drafting appropriate contractual provisions into any contract that raises
                    proprietary and confidentiality issues;
•
maintaining secure storage facilities for tangible records;
•
limiting access to electronic information; and
•
in the event of a security breach, providing credit monitoring or other
                    services to affected customers.
In addition, we must develop, implement and maintain a comprehensive written information security program with appropriate administrative, technical and physical safeguards to protect such confidential information. If we do not properly comply with privacy regulations and protect confidential information, we could experience adverse consequences, including
                  regulatory sanctions, such as penalties, fines and loss of license, as well as loss of reputation and possible litigation. This could have an adverse impact
                  on our Company's reputation and business results.
Protection from system interruptions and operating errors is important to our business. A sustained interruption to our telecommunications, or data processing systems or other failure in operational execution could harm our business operations and our business results.
Operating errors and system or network interruptions could delay and disrupt our ability to develop, deliver or maintain our products and services, causing harm to our business and reputation and resulting in loss of customers or revenue. Operating errors and system or network interruptions may also interfere with, impede or cause delays in our calculation of values, processing of transactions and making of payments under the Contract. Interruptions could be caused by operational failures arising from employee error or malfeasance, interference by third parties (including hackers and other cyber-attacks),
                  implementation of new technology, and maintenance of existing technology. Our financial, accounting, data processing or other operating systems and facilities
                  may fail to operate or report data properly, experience connectivity disruptions or otherwise become disabled as a result of events that are wholly or
                  partially beyond our control, adversely affecting our ability to process transactions or provide products and services to customers. The cause of these
                  interruptions can include fires, floods, earthquakes and other natural disasters, power losses, equipment failures, attacks by third parties, failures of internal or vendor software or systems and other events beyond our control.
In addition, we rely on third party service providers and vendors for certain communications, technology and business functions and face the risk of operational failure (including, without limitation, failure caused by an inaccuracy, untimeliness or other deficiency in data reporting), termination or capacity constraints of any of the clearing agents, exchanges,
                  clearing houses or other third party service providers that we use to facilitate or are component providers to our transactions and other product
                  manufacturing and distribution activities. These risks are heightened by the evolution in the financial markets of increasingly sophisticated products, by
                  business-driven hedging, by compliance issues and by other risk management or investment or by financial management strategies. Any such failure, termination
                  or constraint could adversely impact our ability to implement transactions, service our clients, manage our exposure to risk or otherwise achieve desired outcomes.
The occurrence of natural or man-made disasters and catastrophes could adversely affect our business operations and our business results.
The occurrence of natural or man-made disasters and catastrophes, including extreme weather events, acts of terrorism, geo-political disputes, public health crises (e.g. COVID-19), industrial accident, blackout, cyber-attack, computer virus, insider threat, insurrections and military actions, unanticipated problems with our disaster recovery systems, or a support failure from external providers, could adversely affect our business operations and our business results, particularly if those events affect our computer-based data processing, transmission, storage, and retrieval systems or destroy data. Such disasters and catastrophes may damage our facilities, preventing our employees from performing their roles or otherwise
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disturbing our ordinary business operations, and by impacting claims. Such disasters and catastrophes may also impact us indirectly by changing the condition and behaviors of our customers, business counterparties and regulators, as well as by causing declines or volatility in the economic and financial markets. Climate conditions could increase our overall risk as extreme weather events may become more likely or frequent. We rely on certain third-parties to provide certain services important to our business operations. While we monitor the performance of such third-parties, including those with employees who
                operate remotely, successful implementation and execution of their business continuity strategies are largely outside of our control. Weaknesses or failures
                within a vendor's business continuity plan in light of a natural or man-made disaster or catastrophe could materially disrupt our business operations.
Inadequate or failed processes or systems, human factors or external events may adversely affect our reputation or operational effectiveness, as well as our financial condition.
Operational risk is inherent in our business and can manifest itself in various ways, including business interruption, poor vendor performance, information systems malfunctions or failures, regulatory breaches, human errors, employee misconduct, external fraud, and inability to recruit, motivate, and retain key employees. These events can potentially result in
                  financial loss, harm to our reputation and/or hinder our operational effectiveness. Management attempts to control these risks and keep operational risk at
                  low levels by maintaining a sound and well controlled environment in light of the characteristics of our business, markets and regulatory environment in which
                  we operate. Notwithstanding these measures, operational risk is part of the business environment in which we operate, and we may experience operational
                  disruptions and incur losses from time to time due to these types of risks.
15.
Financial Statements
The statutory financial statements of Allianz Life Insurance Company of North America as of December 31, 2023 and 2022 and for each of the three years in the period ended December 31, 2023 included in Appendix H of this prospectus have been so included in reliance on the report of PricewaterhouseCoopers LLP, an independent registered public accounting firm,
                  given on the authority of said firm as experts in auditing and accounting.
The financial statements of the subaccounts of Allianz Life Variable Account B of Allianz Life Insurance Company of North America ("Variable Account B") as of December 31, 2023 are incorporated herein by reference to Variable Account B's
Form N-VPFS
(File No. 811-05618) filed with the SEC have been so incorporated in reliance on the report
                  of PricewaterhouseCoopers LLP, an independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting.
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Appendix A –
                Available Indexes
S&P 500
®
Index
The S&P 500
®
Index is comprised of 500 stocks representing major U.S. industrial sectors.
The "S&P 500
®
Index" is a product of S&P Dow Jones Indices LLC or its affiliates ("SPDJI"), and has been licensed for use by Allianz Life Insurance Company of North America ("Allianz"). S&P
®
, S&P 500
®
, US 500, and The 500 are trademarks of S&P Global, Inc. or its affiliates ("S&P");
                  Dow Jones
®
is a registered trademark of Dow Jones
                  Trademark Holdings LLC ("Dow Jones"); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Allianz. It is not possible to invest directly in an index. Allianz products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, any of their respective affiliates (collectively, "S&P Dow Jones Indices"). Neither S&P Dow Jones Indices nor any third party licensors make any representation or warranty, express or implied, to the owners of the Allianz products or any member of the public regarding the advisability of investing in securities generally or in
                  Allianz products particularly or the ability of the S&P 500
®
Index to track general market performance. Past performance of an index is not an indication or guarantee of future results. S&P
                  Dow Jones Indices' only relationship to Allianz with respect to the S&P 500
®
Index is the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The S&P 500
®
Index is determined, composed and calculated by S&P Dow Jones Indices without regard to Allianz or the Allianz products. S&P Dow Jones Indices have no obligation to take
                  the needs of Allianz or the owners of Allianz products into consideration in determining, composing or calculating the S&P 500
®
Index. S&P Dow Jones Indices have no obligation or
                  liability in connection with the administration, marketing or trading of Allianz products. There is no assurance that investment products based on the S&P
                  500
®
Index will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment adviser, commodity trading advisory, commodity pool operator, broker dealer, fiduciary, promoter" (as defined in the
                  Investment Company Act of 1940, as amended), "expert" as enumerated within 15 U.S.C. § 77k(a) or tax advisor. Inclusion of a security, commodity, crypto
                  currency or other asset within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, commodity, crypto currency
                  or other asset, nor is it considered to be investment advice or commodity trading advice.
NEITHER S&P DOW JONES INDICES NOR THIRD PARTY LICENSOR GUARANTEES THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE S&P 500
®
INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL
                  OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES
                  MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY ALLIANZ, OWNERS OF THE ALLIANZ
                  PRODUCTS, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE S&P 500
®
INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL,
                  PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE
                POSSIBLITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. S&P DOW JONES INDICES HAS NOT REVIEWED, PREPARED AND/OR CERTIFIED ANY PORTION OF, NOR DOES S&P DOW JONES INDIES HAVE ANY
                  CONTROL OVER, THE LICENSEE PRODUCT REGISTRATION STATEMENT, PROSPECTUS OR OTHER OFFERING MATERIALS. THERE ARE NO THIRD-PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND ALLIANZ,
                  OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.
Russell 2000
®
Index
The Russell 2000
®
Index is an equity index that measures the performance of the 2,000 smallest companies in the Russell 3000
®
Index, which is made
                  up of 3,000 of the biggest U.S. stocks. The Russell 2000
®
Index is constructed to provide a comprehensive and unbiased small-cap barometer and is completely reconstituted annually to ensure
                  larger stocks do not affect the performance and characteristics of the true small-cap index.
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The Russell 2000
®
Index (the "Index") is a trademark of Frank Russell Company ("Russell") and has been licensed for use by Allianz Life Insurance Company of North America ("Allianz"). Allianz products are not in any way sponsored, endorsed, sold or promoted by Russell or the London Stock Exchange Group companies ("LSEG") (together the "Licensor Parties") and none of
                the Licensor Parties make any claim, prediction, warranty or representation whatsoever, expressly or impliedly, either as to (i) the results to be obtained from
                the use of the Index (upon which the Allianz product is based), (ii) the figure at which the Index is said to stand at any particular time on any particular day
                or otherwise, or (iii) the suitability of the Index for the purpose to which it is being put in connection with the Allianz product. None of the Licensor Parties have provided or will provide any financial or investment advice or recommendation in relation to the Index to Allianz or to its clients. The Index is calculated by Russell or its agent. None of the Licensor Parties shall be (a) liable
                (whether in negligence or otherwise) to any person for any error in the Index or (b) under any obligation to advise any person of any error therein.
Nasdaq-100
®
Index
The NASDAQ-100 Index
®
includes 100 of the largest domestic and international non-financial securities listed on The NASDAQ Stock Market
®
based
                  on market capitalization.
The Product(s) is not sponsored, endorsed, sold or promoted by Nasdaq, Inc. or its affiliates (Nasdaq, with its affiliates, are referred to as the "Corporations"). The Corporations have not passed on the legality or suitability of, or the accuracy or adequacy of descriptions and disclosures relating to, the Product(s). The Corporations make no representation or warranty, express or implied to the owners of the Product(s) or any member of the public regarding the advisability of investing in securities generally or in the Product(s) particularly, or the ability of the Nasdaq-100 Index
®
to track general stock market performance. The Corporations' only relationship to Allianz Life Insurance Company of North America ("Licensee") is in the licensing of
                  the NASDAQ
®
, and Nasdaq-100 Index
®
registered trademarks, and certain trade names of the Corporations and the use of the Nasdaq-100 Index
®
which is determined, composed and calculated by NASDAQ without regard to Licensee or the
                  Product(s). Nasdaq has no obligation to take the needs of the Licensee or the owners of the Product(s) into consideration in determining, composing or
                  calculating the Nasdaq-100 Index
®
. The
                  Corporations are not responsible for and have not participated in the determination of the timing of, prices of, or quantities of the Product(s) to be issued or in the determination or calculation of the equation by which the Product(s) is to be converted into cash. The Corporations have no liability in connection with the administration, marketing or trading of the Product(s).
THE CORPORATIONS DO NOT GUARANTEE THE ACCURACY AND/OR UNINTERRUPTED CALCULATION OF THE NASDAQ-100 INDEX
®
OR ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY LICENSEE, OWNERS OF THE PRODUCT(S), OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE NASDAQ-100 INDEX
®
OR ANY DATA INCLUDED
                  THEREIN. THE CORPORATIONS MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIM ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE NASDAQ-100 INDEX
®
OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL THE
                  CORPORATIONS HAVE ANY LIABILITY FOR ANY LOST PROFITS OR SPECIAL, INCIDENTAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES, EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.
EURO STOXX 50
®
The EURO STOXX 50
®
provides a blue-chip representation of supersector leaders in the Eurozone. The index covers 50 stocks from 11 Eurozone countries: Austria, Belgium, Finland, France, Germany, Ireland, Italy, Luxembourg, the Netherlands, Portugal
                  and Spain.
STOXX Limited, Deutsche Börse Group and their licensors, research partners or data providers have no relationship to Allianz Life Insurance Company of North America ("Allianz"), other than the licensing of the EURO STOXX 50
®
and the related
                  trademarks for use in connection with Allianz products.
STOXX, Deutsche Börse Group and their licensors, research partners or data providers do
not
:
• sponsor, endorse, sell or promote Allianz products.
• recommend that any person invest in Allianz products or any other securities.
• have any responsibility or liability for or make any decisions about the timing, amount or pricing of Allianz products.
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• have any responsibility or liability for the administration, management or marketing of Allianz products.
• consider the needs of Allianz products or the owners of Allianz products in determining, composing or calculating the EURO STOXX 50 or have any obligation to do so.
STOXX, Deutsche Börse Group and their licensors, research partners or data providers give no warranty, and exclude any liability (whether in negligence or otherwise), in connection with the Allianz products or their performance.
STOXX does not assume any contractual relationship with the purchasers of Allianz products or any other third parties.
Specifically,
• STOXX, Deutsche Börse Group and their licensors, research partners or data providers do not give any warranty, express or implied, and exclude any liability about:
• The results to be obtained by Allianz products, the owner of Allianz products or any other person in connection with the use of the EURO STOXX 50 and the data included in the EURO STOXX 50;
• The accuracy, timeliness, and completeness of the EURO STOXX 50 and its data;
• The merchantability and the fitness for a particular purpose or use of the EURO STOXX 50 and its data;
• The performance of Allianz products generally.
• STOXX, Deutsche Börse Group and their licensors, research partners or data providers give no warranty and exclude any liability, for any errors, omissions or interruptions in the EURO STOXX 50 or its data;
• Under no circumstances will STOXX, Deutsche Börse Group or their licensors, research partners or data providers be liable (whether in negligence or otherwise) for any lost profits or indirect, punitive, special or consequential damages or losses, arising as a result of such errors, omissions or interruptions in the EURO STOXX 50 or its data or generally in relation to Allianz products, even in circumstances where STOXX, Deutsche Börse Group or their licensors, research partners or data
                  providers are aware that such loss or damage may occur.
The licensing Agreement between Allianz and STOXX is solely for their benefit and not for the benefit of the owners of Allianz products or any other third parties.
i
Shares
®
MSCI Emerging Markets ETF
The iShares
®
MSCI Emerging Markets ETF distributed by BlackRock Investments, LLC. iShares
®
, BLACKROCK
®
, and the corresponding
                  logos are registered trademarks of BlackRock, Inc. and its affiliates ("BlackRock") and are used under license. These trademarks have been licensed for
                  certain purposes by Allianz Life Insurance Company of North America ("Allianz") and its wholly-owned subsidiaries. Products offered by Allianz or its
                  wholly-owned subsidiaries are not sponsored, endorsed, sold or promoted by BlackRock, and purchasers of such products do not acquire any interest in the iShares
®
MSCI Emerging Markets ETF nor enter into any relationship of any kind with BlackRock. BlackRock makes no representations or
                  warranties, express or implied, to the owners of any products offered by Allianz or its wholly-owned subsidiaries, or any member of the public regarding the
                  advisability of purchasing a product from Allianz or its wholly-owned subsidiaries. BlackRock has no obligation or liability for any errors, omissions,
                  interruptions or use of the iShares MSCI Emerging Markets ETF or any data related thereto, or with the operation, marketing, trading or sale of any products or services offered by Allianz and its wholly-owned subsidiaries.
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Appendix B – Daily
                Adjustment
Generally
We designed the Daily Adjustment to provide an Index Option Value for each Index Option on Business Days other than the Term Start Date or the Term End Date. The Daily Adjustment approximates the Performance Credit that will be available on the Term End Date, adjusting for:
(i)
any Index gains during the Term subject to the applicable Trigger Rate,
                    Cap, and/or Participation Rate,
(ii)
for the Index Dual Precision Strategy, any Index losses less than or equal to
                    the 10%, 20%, or 30% Buffer,
(iii)
either any Index losses greater than the 10%, 20%, or 30% Buffer, or Index
                    losses down to the -10% Floor (not applicable to the Index Protection Strategy with Trigger or Index Protection Strategy with Cap), and
(iv)
the number of days until the Term End Date.
The Daily Adjustment formula has two primary components, (i) the change in Proxy Value and (ii) accumulated proxy interest, which are added together and then multiplied by the Index Option Base. We designed the Daily Adjustment to estimate the present value of positive or negative Performance Credit on the Term End Date taking into account any applicable
                  Buffer, Floor, Trigger Rate, Cap, and/or Participation Rate. You should note that even if your selected Index(es) experience positive growth, the Daily
                  Adjustments may be negative because of other market conditions, such as the expected volatility of Index Values and interest rates. Therefore, the Daily
                  Adjustment could result in a loss beyond the protection of the Buffer or Floor. The Daily Adjustment for Index Options with a Term length of more than 1 year
                  may be more negatively impacted by changes in the expected volatility of Index Values than 1-year Term Index Options due to the difference in Term length. Also, the risk of a negative Daily Adjustment is greater for Index Options with a Term length of more than 1 year than for 1-year Term Index Options with the same Buffer because the Buffer is exposed to a longer time period. The impact of the Cap and Buffer on the Daily Adjustment for a 1-year Term Index Option is greater than it is for a 3-year
                  or 6-year Term Index Option because we apply the Cap and Buffer for the entire Term length, and the Term length is shorter for a 1-year Term. The Daily
                  Adjustment for the Index Protection Strategy with Trigger and Index Protection Strategy with Cap cannot be negative.
Daily Adjustment Formula
The formula for the calculation of the Daily Adjustment is as follows:
Daily Adjustment = [(a) change in Proxy Value + (b) proxy interest] x Index Option Base
Where:
(a)
change in Proxy Value = (current Proxy Value – beginning Proxy Value)
(b)
proxy interest = beginning Proxy Value x (1 – time remaining during the
                    Term)
Calculating Change in Proxy Value
The change in Proxy Value represents the current hypothetical value of the Proxy Investment (current Proxy Value), less the cost of the Proxy Investment on the Term Start Date (beginning Proxy Value).
The current Proxy Value is the Proxy Value calculated on the same day as the Daily Adjustment. The beginning Proxy Value is the Proxy Value calculated on the Term Start Date.
The Proxy Value is calculated differently for each Crediting Method.
For the
Index Performance
                  Strategy
, the Proxy Value involves tracking three hypothetical derivatives and is calculated using the following formula:
Proxy Value = (at-the-money call) – (out-of-the-money call) – (out-of-the-money put)
With respect to our Proxy Value formula, we designed the at-the-money call and out-of-the-money call to value the potential for Index gains subject to any applicable Participation Rate up to the Cap, and the out-of-the-money put to value the potential for Index losses greater than the Buffer for the Index Performance Strategy. Similar to the Index Precision Strategy and Index Dual Precision Strategy, it is important to note that the out-of-the-money put will almost always reduce the Proxy Value, even when the current Index Value on a Business Day is higher than the Index Value on the Term Start Date. This is because the risk that the Index Value could be lower on the Term End Date is present to some extent whether or not
                  the current Index Value on a Business Day is lower than the Index Value on the Term Start Date. For purposes of the Proxy Value formula the value of the
                  out-of-the-money call will be zero if an Index Option is uncapped.
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For the
Index
                Guard Strategy
, the Proxy Value involves tracking four hypothetical derivatives and is calculated using the following formula:
Proxy Value = (at-the-money call) – (out-of-the-money call) – (at-the-money put) + (out-of-the-money put)
With respect to our Proxy Value formula, we designed the at-the-money call and out-of-the-money call to value the potential for Index gains up to the Cap and the at-the-money put to value the potential for Index losses, but add back the out-of-money put to mimic the protection of the -10% Floor for the Index Guard Strategy. It is important to note that the at-the-money put will almost always reduce the Proxy Value, even when the current Index Value on a Business Day is higher than the Index Value on the Term Start Date. It is also important to note that the out-of-money put will almost always reduce,
                  and never exceed, the negative impact of the at-the-money put for the Index Guard Strategy.
For the
Index Dual
                  Precision Strategy
, the Proxy Value involves tracking two hypothetical derivatives and is calculated using the following formula:
Proxy Value = [Trigger Rate x (in-the-money binary call)] – (out-of-the-money put)
With respect to our Proxy Value formula, we designed the in-the-money binary call to value the potential for gains equal to the Trigger Rate if on the Term End Date, the Index Value divided by the Index Value on the Term Start Date is greater than or equal to: 90% for a 10% Buffer, or 80% for a 20% Buffer, or 70% for a 30% Buffer, and the out-of-the-money put to value the
                  potential for Index losses greater than the Buffer for the Index Dual Precision Strategy. Similar to the Index Performance Strategy and Index Precision
                  Strategy, it is important to note that the out-of-the-money put will almost always reduce the Proxy Value, even when the current Index Value on a Business Day
                  is higher than the Index Value on the Term Start Date. This is because the risk that the Index Value could be lower on the Term End Date is present to some
                  extent whether or not the current Index Value on a Business Day is lower than the Index Value on the Term Start Date.
For the
Index Precision
                  Strategy
, the Proxy Value involves tracking two hypothetical derivatives and is calculated using the following formula:
Proxy Value = [Trigger Rate x (at-the-money binary call)] – (out-of-the-money put)
With respect to our Proxy Value formula, we designed the at-the-money binary call to value the potential for gains equal to the Trigger Rate if on the Term End Date, the Index Value is greater than or equal to the Index Value on the Term Start Date, and the out-of-the-money put to value the potential for Index losses greater than the Buffer for the Index Precision Strategy.
                  Similar to the Index Performance Strategy and Index Dual Precision Strategy, it is important to note that the out-of-the-money put will almost always reduce
                  the Proxy Value, even when the current Index Value on a Business Day is higher than the Index Value on the Term Start Date. This is because the risk that the
                  Index Value could be lower on the Term End Date is present to some extent whether or not the current Index Value on a Business Day is lower than the Index Value on the Term Start Date.
For the
Index Protection
                  Strategy with Trigger
, the Proxy Value involves tracking one hypothetical derivative and is calculated using the following formula:
Proxy Value = Trigger Rate x (at-the-money binary call)
With respect to our Proxy Value formula, we designed the at-the-money binary call to value the potential for gains equal to the Trigger Rate if on the Term End Date, the Index Value is greater than or equal to the Index Value on the Term Start Date.
For the
Index Protection
                  Strategy with Cap
, the Proxy Value involves tracking two hypothetical derivatives and is calculated using the following formula:
Proxy Value = (at-the-money call) – (out-of-the-money call)
With respect to our Proxy Value formula, we designed the at-the-money call and out-of-the-money call to value the potential for Index gains up to the Cap for the Index Protection Strategy with Cap.
Calculating Proxy Interest
The proxy interest is an amount of interest that is earned to provide compensation for the cost of the Proxy Investment on the Term Start Date. The proxy interest is approximated by the value of amortizing the cost of the Proxy Investment over the Term to zero. The formula for proxy interest involves the calculation of: (i) the beginning Proxy Value (the formula for which varies depending on the Crediting Method, as previously discussed), and (ii) the time remaining during the Term. The time remaining during the Term is equal to the number of days remaining in the Term divided by the Term length. The
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Term length is equal to the number of days from the Term Start Date to the Term End Date. The proxy interest may be significantly different from current interest rates available on interest bearing investments.
Additional Information
You can find a more detailed explanation of the calculation of the Proxy Value, including examples, in Exhibit 99 of the Form S-1 Registration Statement filed with the SEC, of which this prospectus is a part. This Exhibit is incorporated by reference into this prospectus. You can obtain a copy of Exhibit 99 by calling (800) 624-0197, or visiting our website at www.allianzlife.com.
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Appendix C – Annual
                Contract Fees Calculation Examples
Please note that these examples may differ from your actual results due to rounding.
Assuming You Purchase a Contract with the Traditional Death Benefit
You purchase a Contract with the Traditional Death Benefit and your Contract automatically includes the Income Benefit. On the Quarterly Contract Anniversary your total annual Contract fees are 1.95% (1.25% product fee and a 0.70% rider fee for the Income Benefit) and your Contract Value and Charge Base are $100,000. This Contract Value includes any gains or losses on the Variable Option (if applicable) and any Daily Adjustments or Performance Credits on the Index Options. During the
                  quarter you make no additional Purchase Payments and take no withdrawals. We calculate the daily Contract fee amount for this quarter as follows:
(the Charge Base) x (total annual Contract fees ÷ 365) = daily Contract fee amount, or:
$100,000 x (1.95% ÷ 365) = $5.34
If there are 89 days in the current quarter (which includes the next Quarterly Contract Anniversary), then the total quarterly Contract fees are:
(number of days in the current quarter) x (daily Contract fee amount), or:
89 x $5.34 = $475.48
On the next Quarterly Contract Anniversary we would deduct $475.48 from the Contract Value. We first account for any gains/losses on the Variable Option (if applicable) and add any Daily Adjustments or Performance Credits to the Index Option Values, then process any additional Purchase Payments, withdrawals you take, and deductions we make for the total quarterly
                  Contract fees. We then set the Charge Base equal to this new Contract Value. If the Contract Value at the end of the day on the Quarterly Contract Anniversary
                  after all processing is $101,250 we would begin computing the daily Contract fees for the next quarter on the next day as:
(the Charge Base) x (total annual Contract fees ÷ 365) = daily Contract fee amount, or:
$101,250 x (1.95% ÷ 365) = $5.41
If you make an additional Purchase Payment of $15,000 on the 43rd day of the next quarter, your Charge Base would increase by the dollar amount of the payment to $116,250 ($101,250 + $15,000). We would then use this new Charge Base to begin computing the daily Contract fees for the remainder of the quarter on the next day as:
(the Charge Base) x (total annual Contract fees ÷ 365) = daily Contract fee amount, or:
$116,250 x (1.95% ÷ 365) = $6.21
If there are 92 days in the current quarter (which includes the next Quarterly Contract Anniversary), then the total quarterly Contract fees are:
(number of days in the current quarter) x (daily Contract fee amount), or:
(43 x $5.41) + (49 x $6.21) = $232.60 + $304.32 = $536.92
On the next Quarterly Contract Anniversary we would deduct $536.92 from the Contract Value after we account for any gains/losses on the Variable Option (if applicable) and add any Daily Adjustments or Performance Credits to the Index Option Values. We would then process any additional Purchase Payments, withdrawals you take, and deductions we make for the total
                  quarterly Contract fees and set the Charge Base equal to this new Contract Value and begin computing the daily Contract fees for the next quarter on the next
                  day.
Assuming You Purchase a Contract with the Maximum Anniversary Value Death Benefit
You purchase a Contract with the Maximum Anniversary Value Death Benefit and your Contract automatically includes the Income Benefit. On the Quarterly Contract Anniversary your total annual Contract fees are 2.15% (1.25% product fee, 0.70% rider fee for the Income Benefit, and a 0.20% rider fee for the Maximum Anniversary Value Death Benefit) and your Contract
                  Value and Charge Base are $100,000. This Contract Value includes any gains or losses on the Variable Option (if applicable) and any Daily Adjustments or
                  Performance Credits on the Index Options. During the quarter you make no additional Purchase Payments and take no withdrawals. We calculate the daily Contract
                  fee amount for this quarter as follows:
Allianz Index Advantage+ Income
®
Variable Annuity Prospectus – May 1, 2024
Appendix C
135
(the Charge Base) x (total annual Contract fees ÷ 365) = daily Contract fee amount, or:
$100,000 x (2.15% ÷ 365) = $5.89
If there are 89 days in the current quarter (which includes the next Quarterly Contract Anniversary), then the total quarterly Contract fees are:
(number of days in the current quarter) x (daily Contract fee amount), or:
89 x $5.89 = $524.25
On the next Quarterly Contract Anniversary we would deduct $524.25 from the Contract Value. We first account for any gains/losses on the Variable Option (if applicable) and add any Daily Adjustments or Performance Credits to the Index Option Values, then process any additional Purchase Payments, withdrawals you take, and deductions we make for the total quarterly
                  Contract fee. We then set the Charge Base equal to this new Contract Value. If the Contract Value at the end of the day on the Quarterly Contract Anniversary
                  after all processing is $101,250, we would begin computing the daily Contract fees for the next quarter on the next day as:
(the Charge Base) x (total annual Contract fees ÷ 365) = daily Contract fee amount, or:
$101,250 x (2.15% ÷ 365) = $5.96
If you make an additional Purchase Payment of $15,000 on the 43rd day of the next quarter, your Charge Base would increase by the dollar amount of the payment to $116,250 ($101,250 + $15,000). We would then use this new Charge Base to begin computing the daily Contract fees for the remainder of the quarter on the next day as:
(the Charge Base) x (total annual Contract fees ÷ 365) = daily Contract fee amount, or:
$116,250 x (2.15% ÷ 365) = $6.85
If there are 92 days in the current quarter (which includes the next Quarterly Contract Anniversary), then the total quarterly Contract fees are:
(number of days in the current quarter) x (daily Contract fee amount), or:
(43 x $5.96) + (49 x $6.85) = $256.45 + $335.53 = $591.98
On the next Quarterly Contract Anniversary we would deduct $591.98 from the Contract Value after we account for any gains/losses on the Variable Option (if applicable) and add any Daily Adjustments or Performance Credits to the Index Option Values. We would then process any additional Purchase Payments, withdrawals you take, and deductions we make for the total
                  quarterly Contract fees and set the Charge Base equal to this new Contract Value and begin computing the daily Contract fees for the next quarter on the next
                  day.
Allianz Index Advantage+ Income
®
Variable Annuity Prospectus – May 1, 2024
Appendix C
136
Appendix D –
                Increasing Income Payment Example with Performance Lock and Early Reallocation
Assume your Contract Value is $100,000 and you allocate 20% to the Index Protection Strategy with Trigger using the S&P 500
®
Index and 80% to the Index Protection Strategy with the Cap using the EURO STOXX 50
®
on the Income Benefit
                  Date.
During the first Income Benefit Year you execute a Performance Lock on the Index Protection Strategy with the Cap using the EURO STOXX 50
®
. On the Lock Date, the increase in Index Option Value is 2.80%. A month later you execute an Early Reallocation and move the locked Index Option Value into Index Protection Strategy with the Cap using the Nasdaq-100
®
Index. On the day of Early Reallocation, the percentage of
                  total Index Option Base in the EURO STOXX 50
®
Index Option is still 80% before we apply daily transactions.
After applying daily transactions, the Index Option Base for the Index Protection Strategy with the Cap using Nasdaq-100
®
Index Option is now $82,240 ($80,000 Index Option Base plus the 2.80% increase in Index Option Value). The Term End Date for this Index Option will be the second Income Benefit Anniversary.
On the first Income Benefit Anniversary, before applying daily transactions the Index Option Base in the Index Protection Strategy with Trigger is $19,858, and the Index Option Base in the Index Protection Strategy with Cap is $81,654. This means 19.56% (=$19,858 / ($19,858 + $81,654)) of the Index Option Base is in the Index Protection Strategy with Trigger, and 80.44%
                  (= $81,654 / ($19,858 + $81,654)) of the Index Option Base is in the Index Protection Strategy with the Cap using the Nasdaq-100
®
.
The Index Protection Strategy with Trigger using the S&P 500
®
Index receives a 3.5% Performance Credit. The Index Protection Strategy with the Cap using the Nasdaq-100
®
Index is not locked and it does not receive a Performance Credit because this anniversary
                  is not a Term End Date. The Index Protection Strategy with the Cap using the EURO STOXX 50
®
had a locked increase in Index Option Value of 2.80%.
Your annual maximum Income Payment on the first Income Benefit Anniversary will increase by 2.92% ((3.5% x 19.56%) + (0% x 80.44%) + (80% x 2.80%)).
Allianz Index Advantage+ Income
®
Variable Annuity Prospectus – May 1, 2024
Appendix D
137
Appendix E –
                Previous Versions of Income Benefit and Income Multiplier Benefit
The benefit version identifier, for example (05.23), is located in your rider.
Income Benefit and Income Multiplier Benefit (05.23) was available from May 1, 2023 to July 3, 2023. Income Benefit and Income Multiplier Benefit (05.23) had an Income Payment waiting period of one Index Year, an income multiplier factor of two, an income multiplier benefit wait period of five Contract Years, and the following table for Income Percentages and
                  Income Percentage Increases.
Eligible Person's Age (or
younger Eligible Person's
age for joint Income
Payments)
Income Percentages
Income Percentage
Increases
Level Income
Increasing Income
Single
Income
Payments
Joint Income
Payments
Single Income
Payments
Joint Income
Payments
0-50
4.70%
4.20%
3.40%
2.90%
0.25%
51
4.80%
4.30%
3.50%
3.00%
0.25%
52
4.90%
4.40%
3.60%
3.10%
0.25%
53
5.00%
4.50%
3.70%
3.20%
0.25%
54
5.10%
4.60%
3.80%
3.30%
0.25%
55
5.20%
4.70%
3.90%
3.40%
0.30%
56
5.30%
4.80%
4.00%
3.50%
0.30%
57
5.40%
4.90%
4.10%
3.60%
0.30%
58
5.50%
5.00%
4.20%
3.70%
0.30%
59
5.60%
5.10%
4.30%
3.80%
0.30%
60
5.70%
5.20%
4.40%
3.90%
0.35%
61
5.80%
5.30%
4.50%
4.00%
0.35%
62
5.90%
5.40%
4.60%
4.10%
0.35%
63
6.00%
5.50%
4.70%
4.20%
0.35%
64
6.10%
5.60%
4.80%
4.30%
0.35%
65
6.20%
5.70%
4.90%
4.40%
0.40%
66
6.30%
5.80%
5.00%
4.50%
0.40%
67
6.40%
5.90%
5.10%
4.60%
0.40%
68
6.50%
6.00%
5.20%
4.70%
0.40%
69
6.60%
6.10%
5.30%
4.80%
0.40%
70
6.70%
6.20%
5.40%
4.90%
0.45%
71
6.80%
6.30%
5.50%
5.00%
0.45%
72
6.90%
6.40%
5.60%
5.10%
0.45%
73
7.00%
6.50%
5.70%
5.20%
0.45%
74
7.10%
6.60%
5.80%
5.30%
0.45%
75
7.20%
6.70%
5.90%
5.40%
0.50%
76
7.30%
6.80%
6.00%
5.50%
0.50%
77
7.40%
6.90%
6.10%
5.60%
0.50%
78
7.50%
7.00%
6.20%
5.70%
0.50%
79
7.60%
7.10%
6.30%
5.80%
0.50%
80+
7.70%
7.20%
6.40%
5.90%
0.55%
Income Benefit and Income Multiplier Benefit (7.23) was available from July 4, 2023 to October 2, 2023. Income Benefit and Income Multiplier Benefit (7.23) had an Income Payment waiting period of one Index Year, an income multiplier
Allianz Index Advantage+ Income
®
Variable Annuity Prospectus – May 1, 2024
Appendix E
138
factor of two, an income multiplier benefit wait period of five Contract Years, and the following table for Income Percentages and Income Percentage Increases.
Eligible Person's Age (or
younger Eligible Person's
age for joint Income
Payments)
Income Percentages
Income Percentage
Increases
Level Income
Increasing Income
Single
Income
Payments
Joint Income
Payments
Single Income
Payments
Joint Income
Payments
0-50
5.00%
4.50%
3.70%
3.20%
0.25%
51
5.10%
4.60%
3.80%
3.30%
0.25%
52
5.20%
4.70%
3.90%
3.40%
0.25%
53
5.30%
4.80%
4.00%
3.50%
0.25%
54
5.40%
4.90%
4.10%
3.60%
0.25%
55
5.50%
5.00%
4.20%
3.70%
0.30%
56
5.60%
5.10%
4.30%
3.80%
0.30%
57
5.70%
5.20%
4.40%
3.90%
0.30%
58
5.80%
5.30%
4.50%
4.00%
0.30%
59
5.90%
5.40%
4.60%
4.10%
0.30%
60
6.00%
5.50%
4.70%
4.20%
0.35%
61
6.10%
5.60%
4.80%
4.30%
0.35%
62
6.20%
5.70%
4.90%
4.40%
0.35%
63
6.30%
5.80%
5.00%
4.50%
0.35%
64
6.40%
5.90%
5.10%
4.60%
0.35%
65
6.50%
6.00%
5.20%
4.70%
0.40%
66
6.60%
6.10%
5.30%
4.80%
0.40%
67
6.70%
6.20%
5.40%
4.90%
0.40%
68
6.80%
6.30%
5.50%
5.00%
0.40%
69
6.90%
6.40%
5.60%
5.10%
0.40%
70
7.00%
6.50%
5.70%
5.20%
0.45%
71
7.10%
6.60%
5.80%
5.30%
0.45%
72
7.20%
6.70%
5.90%
5.40%
0.45%
73
7.30%
6.80%
6.00%
5.50%
0.45%
74
7.40%
6.90%
6.10%
5.60%
0.45%
75
7.50%
7.00%
6.20%
5.70%
0.50%
76
7.60%
7.10%
6.30%
5.80%
0.50%
77
7.70%
7.20%
6.40%
5.90%
0.50%
78
7.80%
7.30%
6.50%
6.00%
0.50%
79
7.90%
7.40%
6.60%
6.10%
0.50%
80+
8.00%
7.50%
6.70%
6.20%
0.55%
Income Benefit and Income Multiplier Benefit (10.23) was available from October 3, 2023 to April 30, 2024. Income Benefit and Income Multiplier Benefit (10.23) had an Income Payment waiting period of one Index Year, an income
Allianz Index Advantage+ Income
®
Variable Annuity Prospectus – May 1, 2024
Appendix E
139
multiplier factor of two, an income multiplier benefit wait period of five Contract Years, and the following table for Income Percentages and Income Percentage Increases.
Eligible Person's Age (or
younger Eligible Person's
age for joint Income
Payments)
Income Percentages
Income Percentage
Increases
Level Income
Increasing Income
Single
Income
Payments
Joint Income
Payments
Single Income
Payments
Joint Income
Payments
0-50
5.20%
4.70%
3.90%
3.40%
0.25%
51
5.30%
4.80%
4.00%
3.50%
0.25%
52
5.40%
4.90%
4.10%
3.60%
0.25%
53
5.50%
5.00%
4.20%
3.70%
0.25%
54
5.60%
5.10%
4.30%
3.80%
0.25%
55
5.70%
5.20%
4.40%
3.90%
0.30%
56
5.80%
5.30%
4.50%
4.00%
0.30%
57
5.90%
5.40%
4.60%
4.10%
0.30%
58
6.00%
5.50%
4.70%
4.20%
0.30%
59
6.10%
5.60%
4.80%
4.30%
0.30%
60
6.20%
5.70%
4.90%
4.40%
0.35%
61
6.30%
5.80%
5.00%
4.50%
0.35%
62
6.40%
5.90%
5.10%
4.60%
0.35%
63
6.50%
6.00%
5.20%
4.70%
0.35%
64
6.60%
6.10%
5.30%
4.80%
0.35%
65
6.70%
6.20%
5.40%
4.90%
0.40%
66
6.80%
6.30%
5.50%
5.00%
0.40%
67
6.90%
6.40%
5.60%
5.10%
0.40%
68
7.00%
6.50%
5.70%
5.20%
0.40%
69
7.10%
6.60%
5.80%
5.30%
0.40%
70
7.20%
6.70%
5.90%
5.40%
0.45%
71
7.30%
6.80%
6.00%
5.50%
0.45%
72
7.40%
6.90%
6.10%
5.60%
0.45%
73
7.50%
7.00%
6.20%
5.70%
0.45%
74
7.60%
7.10%
6.30%
5.80%
0.45%
75
7.70%
7.20%
6.40%
5.90%
0.50%
76
7.80%
7.30%
6.50%
6.00%
0.50%
77
7.90%
7.40%
6.60%
6.10%
0.50%
78
8.00%
7.50%
6.70%
6.20%
0.50%
79
8.10%
7.60%
6.80%
6.30%
0.50%
80+
8.20%
7.70%
6.90%
6.40%
0.55%
Allianz Index Advantage+ Income
®
Variable Annuity Prospectus – May 1, 2024
Appendix E
140
Appendix F –
                Material Contract Variations by State and Issue Date
Your Contract is subject to the law of the state in which it is issued. Some of the features of your Contract may differ from the features of a Contract issued in another state because of state-specific legal requirements. In addition, not all features and benefits are approved in all states. All material state variations in the Contract are disclosed in this Appendix. If you would like more information regarding state specific Contract provisions, you should contact your Financial Professional or contact our Service Center at the toll-free telephone number listed at the back of this prospectus.
Crediting Method and/or Index Option Availability Restrictions
Crediting Method / Index Options
Availability Restrictions:
Index Dual Precision Strategy 1-year Term with 10% Buffer are
available only to Contracts issued since November 14, 2023.
– Not available to Contracts issued before November 14, 2023.
– Not available to Contracts issued in Missouri, and Nebraska.
– Not available to Contracts issued in Virginia before May 13, 2024.
– Not available to Contracts issued in Idaho, Indiana, Louisiana,
Maryland, Montana, Nevada, and Wyoming before January 22,
2024.
– For Contracts issued in all other states, this Crediting Method first
became available to newly issued Contracts on November 14,
2023.
Index Dual Precision Strategy 1-year Term with 20% or 30% Buffer
are available only to Contracts issued since May 1, 2024.
– Not available to Contracts issued before May 1, 2024.
– Not available to Contracts issued in Idaho, Missouri, and Nebraska.
– Not available to Contracts issued in Virginia before May 13, 2024.
– For Contracts issued in all other states, these first became
available to newly issued Contracts on May 1, 2024.
Index Performance Strategy 1-year Term with 20% or 30% Buffer are
available only to Contracts issued since November 14, 2023.
– Not available to Contracts issued before November 14, 2023.
– Not available to Contracts issued in Missouri, and Nebraska.
– Not available to Contracts issued in Virginia before May 13, 2024.
– Not available to Contracts issued in Idaho, Indiana, Louisiana,
Maryland, Montana, Nevada, and Wyoming before January 22,
2024.
– For Contracts issued in all other states, these first became
available to newly issued Contracts on November 14, 2023.
Index Performance Strategy 6-year Term with 20% Buffer are
available only to Contracts issued since November 14, 2023.
– Not available to Contracts issued before November 14, 2023.
– Not available to Contracts issued in Missouri, and Nebraska.
– Not available to Contracts issued in Virginia before May 13, 2024.
– Not available to Contracts issued in Idaho, Indiana, Louisiana,
Maryland, Montana, Nevada, and Wyoming before January 22,
2024.
– For Contracts issued in all other states, these first became
available to newly issued Contracts on November 14, 2023.
Material State Contract Variations
ISSUE STATE
FEATURE AND BENEFITS
VARIATION
California
Eligible Person(s) and
Covered Person(s)
See section 2
• We do not remove a person as an Eligible Person(s) or Covered Person(s)
following an assignment, ownership change, or Beneficiary
                            change.
• If you are the sole individual Owner or a Joint Owner and select joint
Income Payments, you must designate an Owner to be a
                            Covered Person.
Allianz Index Advantage+ Income
®
Variable Annuity Prospectus – May 1, 2024
Appendix F
141
ISSUE STATE
FEATURE AND BENEFITS
VARIATION
California
(continued)
Assignments, Changes of
Ownership and Other
Transfers of Contract Rights
See section 2
We cannot restrict assignments or changes
                            of ownership
.
• We do not change the Determining Life (Lives) following an assignment or
ownership change. If you assign the Contract and the
                            Determining Life
(Lives) are no longer an Owner (or Annuitant if the Owner
                            is a
non-individual) the Traditional Death Benefit or Maximum
                            Anniversary
Value Death Benefit may not be available and on the Owner's
                            death the
Beneficiary(s) will only receive the Contract Value.
• If you assign the Contract
on or before
the Income Benefit Date and as a
result none of the Eligible Person(s) are an Owner (or
                            Annuitant if the
Owner is a non-individual),
Income Payments will not be available, but
the Income Benefit and
                            its associated rider fee will continue.
Your
only recourse is to restore an Eligible Person as an Owner
                            by assigning or
changing ownership, or to remove the Income Benefit if you
                            no longer
want to pay the rider fee.
• If you assign the Contract
after
the Income Benefit Date and a Covered
Person(s) who was previously an Owner no longer has that
                            position,
the
Income Benefit and any
                            Income Payments may end even if the
Covered Person is still
                            alive
.
Free Look/Right to Examine
Period
See section 3
For Owners age 60 or older (or Annuitants age 60 or older
                            for
non-individually owned Contracts), we are required to
                            allocate your initial
Purchase Payment to the Variable Option during the 30 day
                            free look period
unless you specify otherwise on the appropriate form. If you
                            want to
immediately apply your Purchase Payment to the Index Options
                            you must
opt out of this allocation. If you do not opt out of this
                            allocation to the
Variable Option your Index Effective Date cannot occur until
                            the free look
period has ended.
Waiver of Withdrawal Charge
Benefit
See section 7
• Qualification for the portion of the portion of the benefit based on
confinement for care requiring a stay in an eligible
                            facility is not available.
• Qualification for the benefit is expanded to include requiring substantial
supervision due to severe cognitive impairment.
Income Multiplier Benefit
See section 11
• Qualification for the portion of the benefit based on confinement for care
requiring a stay in an eligible facility is not available.
• Qualification for the benefit is expanded to include requiring substantial
supervision due to severe cognitive impairment.
When the Income Benefit
Ends
See section 11
The Income Benefit and any Income Payments end based on the
                            earlier of
the date of death of an individual Owner (or Annuitant if
                            the Owner is a
non-individual), or last surviving Covered Person. Upon the
                            death of an
individual Owner (or Annuitant if the Owner is a
                            non-individual), if the
deceased's spouse:
• continues the Contract, the Income Benefit and Income Payments end on
the earlier of the date of death of the surviving spouse,
                            or last surviving
Covered Person.
elects to receive payment of the death benefit, the Income
                            Benefit ends on
the Business Day we receive his or her Valid Claim.
This means if you assign
                            the Contract after the Income Benefit Date,
Income Payments may end
                            even if the Covered Person is still alive.
Connecticut
Income Multiplier Benefit
See section 10
This benefit is not available.
Allianz Index Advantage+ Income
®
Variable Annuity Prospectus – May 1, 2024
Appendix F
142
ISSUE STATE
FEATURE AND BENEFITS
VARIATION
Connecticut
(continued)
Eligible Person(s) and
Covered Person(s)
See section 2
We do not automatically remove a person as an Eligible
                            Person(s) or
Covered Person(s) following notice of a change in spousal
                            status, an
assignment, ownership change, or Beneficiary change. In
                            these situations,
to remove an Eligible Person or Covered Person you must also
                            provide us
with a specific request.
Assignments, Changes of
Ownership and Other
Transfers of Contract Rights
See section 2
We can only restrict assignments to
                            settlement companies and
institutional investors as described in
                            your Contract
.
• We do not change the Determining Life (Lives) following an assignment or
ownership change.
• If you assign the Contract and the Determining Life (Lives) are no longer
an Owner (or Annuitant if the Owner is a non-individual)
                            the Traditional
Death Benefit or Maximum Anniversary Value Death Benefit
                            may not be
available and on the Owner's death the Beneficiary(s) will
                            only receive the
Contract Value.
• If you assign the Contract
on or before
the Income Benefit Date and as a
result none of the Eligible Person(s) are an Owner (or
                            Annuitant if the
Owner is a non-individual),
Income Payments will not be available, but
the Income Benefit and its associated
                            rider fee will continue
. Your
only recourse is to restore an Eligible Person as an Owner
                            by assigning or
changing ownership, or to remove the Income Benefit if you
                            no longer
want to pay the rider fee.
• If you assign the Contract
after
the Income Benefit Date and a Covered
Person(s) who was previously an Owner (or Annuitant if the
                            Owner is a
non-individual) no longer has that position,
the Income Benefit and any
Income Payments may end even if the
                            Covered Person is still alive.
Florida
Withdrawal Charges
See Fee Tables and section 6
The total withdrawal charge on a partial or full withdrawal
                            cannot be greater
than 10% of the Contract Value withdrawn.
Assignments, Changes of
Ownership and Other
Transfers of Contract Rights
See section 2
We cannot restrict assignments or changes
                            of ownership.
• We do not change the Determining Life (Lives) following an assignment or
ownership change. If you assign the Contract and the
                            Determining Life
(Lives) are no longer an Owner (or Annuitant if the Owner
                            is a
non-individual) the Traditional Death Benefit or Maximum
                            Anniversary
Value Death Benefit may not be available and on the Owner's
                            death the
Beneficiary(s) will only receive the Contract Value.
Free Look/Right to Examine
Period
See section 3
We cannot allocate your initial Purchase Payment to the
                            Variable Option
during the free look period.
When Annuity Payments
Begin
See section 8
The earliest acceptable Annuity Date is the first Index
                            Anniversary.
Hawaii
Income Multiplier Benefit
See section 10
This benefit is not available.
Maryland
Purchase Requirements
See section 3
On the Issue Date, all Owners (or the Annuitant if the Owner
                            is a
non-individual) must be:
• age 49 to 80, or
• age 49 to 75 if you select the Maximum Anniversary Value Death Benefit.
Income Multiplier Benefit
See section 10
This benefit is not available.
Allianz Index Advantage+ Income
®
Variable Annuity Prospectus – May 1, 2024
Appendix F
143
ISSUE STATE
FEATURE AND BENEFITS
VARIATION
Maryland
(continued)
Maximum Anniversary Value
Death Benefit
See section 11
This optional benefit terminates on the Annuity Date rather
                            than the
Business Day before.
Traditional Death Benefit
Rider
See section 11
The Traditional Death Benefit ends on the Annuity Date
                            rather than the
Business Day before.
Massachusetts
Waiver of Withdrawal Charge
Benefit
See section 7
This benefit is not available.
Montana
Access to Your Money
See section 7
If you take a partial withdrawal that reduces the Contract
                            Value below
$2,000, we contact you and give you the option of modifying
                            your withdrawal
request. If we cannot reach you within seven days of our
                            receipt of your
request in Good Order at our Service Center, we process your
                            request as a
full withdrawal.
New Jersey
Joint Owner
See section 2
We allow civil union partners to be Joint Owners.
Determining Life (Lives)
See section 2
We allow civil union partners to be joint Determining Lives.
Eligible Person(s) and
Covered Person(s)
See section 2
We allow civil union partners to be joint Eligible Persons
                            and joint Covered
Persons. If at any time joint Eligible Persons or joint
                            Covered Persons are no
longer civil union partners you must send us written notice.
                            If we receive
notice on or before the Income Benefit Date, joint Income
                            Payments will not
be available to you. If we receive notice after the Income
                            Benefit Date, we
will remove one former civil union partner from the Contract
                            as a Covered
Person and also as an Owner, Joint Owner, Annuitant and/or
                            Beneficiary.
Assignments, Changes of
Ownership and Other
Transfers of Contract Rights
See section 2
We cannot restrict assignments or changes
                            of ownership.
• We do not change the Determining Life (Lives) following an assignment or
ownership change. If you assign the Contract and the
                            Determining Life
(Lives) are no longer an Owner (or Annuitant if the Owner
                            is a
non-individual) the Traditional Death Benefit or Maximum
                            Anniversary
Value Death Benefit may not be available and on the Owner's
                            death the
Beneficiary(s) will only receive the greater of Contract
                            Value or Cash
Value.
Purchase Requirements
See section 3
• The maximum total Purchase Payments that we can accept is $10 million.
We must decline a Purchase Payment if it would cause total
                            Purchase
Payments to be more than $10 million, or if it would
                            otherwise violate the
Purchase Payment restrictions of your Contract (for
                            example, we do not
allow additional Purchase Payments on or after the Annuity
                            Date).
Ohio
Assignments, Changes of
Ownership and Other
Transfers of Contract Rights
See section 2
We cannot restrict assignments or changes
                            of ownership.
• We do not change the Determining Life (Lives) following an assignment or
ownership change. If you assign the Contract and the
                            Determining Life
(Lives) are no longer an Owner (or Annuitant if the Owner
                            is a
non-individual) the Traditional Death Benefit or Maximum
                            Anniversary
Value Death Benefit may not be available and on the Owner's
                            death the
Beneficiary(s) will only receive the Contract Value.
Pennsylvania
Waiver of Withdrawal Charge
Benefit
See section 7
The requirement to begin confinement after the first
                            Contract Anniversary in
an eligible facility (a hospital, nursing facility, or
                            assisted living facility) is at
least 90 days provided each day of confinement is no more
                            than 6 months
after the previous day of confinement.
Allianz Index Advantage+ Income
®
Variable Annuity Prospectus – May 1, 2024
Appendix F
144
ISSUE STATE
FEATURE AND BENEFITS
VARIATION
Pennsylvania
(continued)
Income Multiplier Benefit
See section 10
The requirement to begin confinement after the first
                            Contract Anniversary in
an eligible facility (a hospital, nursing facility, or
                            assisted living facility) is at
least 90 days provided each day of confinement is no more
                            than 6 months
after the previous day of confinement.
Texas
Assignments, Changes of
Ownership and Other
Transfers of Contract Rights
See section 2
We cannot restrict assignments or changes
                            of ownership.
• We do not change the Determining Life (Lives) following an assignment or
ownership change. If you assign the Contract and the
                            Determining Life
(Lives) are no longer an Owner (or Annuitant if the Owner
                            is a
non-individual) the Traditional Death Benefit or Maximum
                            Anniversary
Value Death Benefit may not be available and on the Owner's
                            death the
Beneficiary(s) will only receive the Contract Value.
Access to Your Money
See section 7
We only treat a partial withdrawal that reduces the Contract
                            Value below
$2,000 as a full withdrawal if you have not made an
                            additional Purchase
Payment in the past two calendar years.
Wisconsin
Assignments, Changes of
Ownership and Other
Transfers of Contract Rights
See section 2
We cannot restrict assignments or changes
                            of ownership.
• We do not change the Determining Life (Lives) following an assignment or
ownership change. If you assign the Contract and the
                            Determining Life
(Lives) are no longer an Owner (or Annuitant if the Owner
                            is a
non-individual) the Traditional Death Benefit or Maximum
                            Anniversary
Value Death Benefit may not be available and on the Owner's
                            death the
Beneficiary(s) will only receive the Contract Value.
Allianz Index Advantage+ Income
®
Variable Annuity Prospectus – May 1, 2024
Appendix F
145
Appendix G – Fund
                Available Under the Contract
The following includes information about the Fund available under the Contract. More information about the Fund is available in the Fund's prospectus, which may be amended from time to time and can be found online at www.allianzlife.com/variableoptions. You can also request this information at no cost by calling (800) 624-0197, or by sending an email request to contact.us@allianzlife.com.
The current expenses and performance information below reflects fees and expenses of the Fund, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. The Fund's past performance is not necessarily an indication of future performance.
Investment Objectives
Fund Adviser/Subadviser
Current
Expenses
Average Annual Total Returns
(as of December 31, 2023)
1 Year
5 Years
10 Years
Current income consistent with
stability of principal
AZL
®
Government Money
Market Fund
(1)
Adviser: Allianz Investment
Management LLC
Subadviser: BlackRock
Advisors, LLC
0.87%
4.28%
1.32%
0.77%
(1)
The AZL
®
Government Money Market Fund's annual expenses reflect a temporary fee reduction.
                    Please see the AZL
®
Government
                    Money Market Fund's prospectus for information regarding the expense reimbursement or fee waiver arrangement.
Allianz Index Advantage+ Income
®
Variable Annuity Prospectus – May 1, 2024
Appendix G
146
Appendix H –
                Selected Financial Data and Statutory Financial Statements
Management's Discussion and Analysis of Financial Condition and Results of Operations (For the 12 month period ending December 31, 2023)
The following discussion of our financial condition and results of operations should be read in conjunction with our statutory financial statements and notes to those statements included in this Appendix. The discussion and analysis in this Appendix includes certain forward-looking statements that are subject to risks, uncertainties and other factors, as described in "Risk Factors" and elsewhere in this prospectus, that could cause our actual growth, results of operations, performance, financial position and business prospects and opportunities in 2024 and beyond to differ materially from those expressed in, or implied by, those forward-looking statements. See "Forward-Looking Statements."
Statutory Financial Statements as of December 31, 2023
The statutory financial statements of Allianz Life Insurance Company of North America as of December 31, 2023 and 2022 and for each of the three years in the period ended December 31, 2023 included in this Appendix H have been so included in reliance on the report of PricewaterhouseCoopers LLP, an independent registered public accounting firm, given on the
                  authority of said firm as experts in auditing and accounting. The principal business address of PricewaterhouseCoopers LLP is 45 South Seventh Street, Suite
                  3400, Minneapolis, MN.
Allianz Index Advantage+ Income
®
Variable Annuity Prospectus – May 1, 2024
Appendix H
147
Part I
Item 11(f).
Selected Financial Data
(dollars in millions, unless otherwise stated)
The following table sets forth the Company's selected historical
        financial data. The selected financial data has been derived from the Statutory Financial Statements included elsewhere in this prospectus, and should be read in conjunction with "Management's Discussion and Analysis of Financial Condition and
        Results of Operations" and the Company's audited Statutory Financial Statements.
These historical results are not necessarily indicative of results to
        be expected for any future period.
Year ended December 31,
Selected income data
2023
2022
2021
2020
2019
Premium and annuity considerations*
$
17,633
14,427
14,291
10,542
13,029
Net investment income
4,822
4,544
4,866
4,864
4,839
Ceded reinsurance
                reserve and expense adjustments
(1,535)
(545)
639
(45)
329
Fees from separate accounts
436
488
574
567
613
Other income
248
(503)
(32)
694
(13)
Total income
21,604
18,411
20,338
16,622
18,797
Policyholder benefits
                and surrenders
12,444
8,499
10,876
10,343
10,368
Change in aggregate reserves
3,482
3,113
4,316
2,465
1,034
General and
                administrative and commission
2,682
2,236
2,195
1,739
1,878
Net transfers to separate accounts
834
1,732
2,424
1,460
5,254
Total benefits
                and other expenses
19,442
15,580
19,811
16,007
18,534
Income tax expense (benefit)
574
(2)
1,091
18
773
Net realized capital
                (loss) gain
(797)
(1,986)
1,856
142
1,053
Net income
$
791
847
1,292
739
543
Capital and Surplus:
Change in unrealized capital gain (loss)
$
522
(516)
(142)
(61)
719
Dividends to parent
(500)
(4,100)
(900)
(750)
(325)
Other change in capital & surplus
(294)
(421)
2,794
(220)
441
Net change in
                capital & surplus
$
519
(4,190)
3,044
(292)
1,378
*Includes premiums and
                annuity and supplementary contract considerations.
As of December 31,
Selected balance sheet
                data
2023
2022
2021
2020
2019
Total cash and invested assets
$
121,141
115,664
122,829
125,229
121,870
Investment income due
                and accrued
1,471
1,273
947
1,040
1,031
Other admitted assets
2,473
1,684
1,480
1,218
945
Separate account assets
52,781
43,502
48,279
45,901
34,638
Total
                admitted assets
177,866
162,123
173,535
173,388
158,484
Total policyholder
                liabilities
107,892
105,368
103,933
109,353
107,098
Other liabilities
10,159
6,738
10,618
10,473
8,794
Separate account
                liabilities
52,781
43,502
48,279
45,901
34,638
Total
                liabilities
170,832
155,608
162,830
165,727
150,530
Total capital
                and surplus
$
7,034
6,515
10,705
7,661
7,954
Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)
Page 1 of 22
Item 11(h).
Management's Discussion and Analysis of Financial Condition and
        Results of Operations
The following discussion and analysis provides an assessment by
        management of the Company's financial condition as of December 31, 2023, compared with December 31, 2022, and its results of operations for each of the three years ended December 31, 2023, 2022, 2021, respectively. The information contained herein
        should be read in conjunction with the financial statements, notes, exhibits and schedules in the 2023 and 2022 Annual Statement and audited Statutory Financial Statements of the Company. Amounts are presented on a non-consolidated basis in
        accordance with Statutory Accounting Principles (SAP).
Forward-looking Statements
This report reviews the Company's financial condition and results of
        operations. Where appropriate, factors that may affect future financial performance are also identified and discussed. Certain statements made in this report include "forward-looking statements" within the meaning of the Private Securities
        Litigation Reform Act of 1995. Forward- looking statements include any statement that may predict, forecast, indicate or imply future results, performance or achievements instead of historical facts, and may contain words like "believe", "expect",
        "estimate", "project", "budget", "forecast", "anticipate", "plan", "will", "shall", "may", and other words, phrases or expressions with similar meaning. Forward-looking statements are subject to risks and uncertainties. Readers are cautioned not to
        place undue reliance on forward-looking statements as a prediction of actual results. The Company undertakes no obligation to update publicly or revise any forward-looking statements.
Company Overview
Allianz Life is a wholly owned subsidiary of Allianz of America, Inc.
        (AZOA), which is a subsidiary of Allianz Europe, B.V.. Allianz Europe, B.V. is a wholly owned subsidiary of Allianz SE, the Company's ultimate parent, which is incorporated in Munich, Germany. The Company is a life insurance company domiciled in
        the State of Minnesota and is licensed to sell insurance products in all U.S. states, except New York, several U.S. territories, and Canada. The Company offers a portfolio of individual fixed-indexed annuities, variable-indexed annuities, and
        individual ordinary fixed-indexed universal life (FIUL) products. The Company's products are either sold through licensed independent agents contracted with a field marketing organization or insurance agency, or licensed registered representatives
        contracted with a broker/dealer. The Company also maintains a closed portfolio of fixed and variable annuities, individual and group long-term care (LTC) and group life, annuity and accident and health policies, and does not actively issue new
        policies related to these products.
The Company has organized its principal operations into the following
        segments: Individual Annuities, Life, and Legacy.
Individual Annuities
The Individual Annuities segment provides tax-deferred investment
        growth and lifetime income opportunities for our customers through fixed, fixed-indexed, variable-indexed and variable products. The "fixed" and "variable" classifications describe whether we or the contractholders bear the investment risk of the
        assets supporting the contract. We are one of the largest sellers of fixed-indexed and variable-indexed products. Fixed and variable annuities provide for both asset accumulation and asset distribution needs. Our Individual Annuity products are
        sold through both independent distribution channels made up of agents and registered representatives.
Fixed annuities provide guarantees related to the preservation of
        principal and interest credited. In 2023, sales of our fixed-indexed annuity products were higher than the prior year due to impacts of increasing interest rates and strong sales for the Allianz ABC
®
, Core Income
        7
®
Annuity and Essential Income 7
®
Annuity products (the 2023 sales promotion) and a favorable market environment
,
due to a 2023 sales promotion. In 2022, sales of our
        fixed-indexed annuity products were higher than the prior year due to impacts of increasing interest rates and strong sales for the Allianz 222
®
due to a 2022 sales promotion.
Variable annuities allow the contractholder to make deposits into
        various investment options and also have unique product features that allow for guaranteed minimum income benefits, guaranteed minimum accumulation benefits, guaranteed minimum death benefits, and guaranteed minimum withdrawal benefits. The
        variable annuity products with guaranteed minimum benefits which provide a minimum return based on their initial deposit may be increased by additional deposits, bonus amounts, or other account crediting features. The income and accumulation
        benefits shift a portion of the investment risk from the contractholder back to the Company.
Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)
Page 2 of 22
The Company's variable annuity sales strategy is focused on
        variable-indexed annuity products, which combines a separate account option with a general account option that is similar to a fixed-indexed annuity. In 2023, sales of variable-indexed annuities were higher than the prior year due to stronger sales
        for the Index Advantage Income
®
product driven by the market environment. In 2022, sales of variable-indexed annuities were lower than the prior year due to weaker sales for the Index Advantage Income
®
product
        driven by the market environment.
The Company discontinued selling traditional variable annuities and
        fixed annuities and the business is in run-off, however, in-force contracts are material and thus reported within the Individual Annuities segment.
Life
Our life insurance products provide flexibility and control over a
        person's assets, providing the assurance that the beneficiaries will be protected after the insured is gone and, in certain cases, to add cash value accumulation potential. The sales focus of our Life segment is our FIUL insurance products.
        Deposits are credited to an account maintained for the policyholder. Our individual life products are sold through independent distribution channels made up of agents and registered representatives. The Life business has continued to grow for the
        last several years and was driven by strong product proposition.
Legacy
The Legacy business consists of closed blocks of LTC and Special
        Markets products. The Special Markets products include individual and group annuity and life products, including universal life and term life insurance. Although Legacy products are part of the total results, the Company does not allocate
        additional resources to these areas other than to maintain the operational support to its current customers. The Company enters into reinsurance agreements to manage risk resulting from businesses we have chosen to exit. The performance of these
        product lines is not material enough to warrant discussion as separate operating segments.
Income and Expense Allocation
We maintain segregated investment portfolios for the Company but do
        not maintain segregated portfolios for each segment. All net investment income and other Corporate income and expense activity is allocated to the segments. Assets are only monitored at the total Company level, and as such, asset disclosures by
        segment are not included herein.
Income and expense related to assets backing policyholder reserves are
        allocated to the segments based on policyholder statutory reserve levels. The results of our segments also reflect allocation of income and expense related to assets backing surplus. Income and expense related to assets backing surplus are
        allocated to the segments based on estimated required capital levels for each segment.
Basis of Presentation
The Statutory Financial Statements have been prepared in accordance
        with accounting practices prescribed or permitted by the Minnesota Department of Commerce (the Department). The Department recognizes statutory accounting practices prescribed or permitted by the state of Minnesota for determining and reporting the
        financial condition and results of operations of an insurance company and its solvency under Minnesota insurance law. The state of Minnesota has adopted the National Association of Insurance Commissioners (NAIC)
Accounting Practices and Procedures Manual
as its prescribed basis of SAP, without significant modification. The Company has no material statutory accounting practices that differ from those of the Department or NAIC SAP.
        These practices differ in some respects from accounting principles generally accepted in the United States of America (U.S. GAAP). The effects of these differences, while not quantified, are presumed to be material to the Statutory Financial
        Statements.
The preparation of Statutory Financial Statements in conformity with
        NAIC SAP requires management to make certain estimates and assumptions that affect reported amounts of admitted assets and liabilities, including reporting or disclosure of contingent assets and liabilities as of December 31, 2023, and 2022 and the
        reported amounts of revenues and expenses during the reporting period. Future events, including changes in mortality, morbidity, interest rates, capital markets, and asset valuations could cause actual results to differ from the estimates used
        within the Statutory Financial Statements. Such changes in estimates are recorded in the period they are determined.
Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)
Page 3 of 22
Adoption of New Financial Accounting Standards
See Note 3 – "Accounting Changes and Correction of Errors" of the
        Company's audited Statutory Financial Statements in this prospectus for information related to recent accounting pronouncements.
Application of Critical Accounting Policies
Our accounting policies require management to make interpretative and
        valuation judgments and to make estimates based upon assumptions that affect the amounts of assets, liabilities, revenues, and expenses reported in our Statutory Financial Statements. Because the use of assumptions and estimates inherently entails
        uncertainty, the effects of accounting policies under different conditions could produce results that are significantly different. A discussion of the presentation of the business factors that affect critical accounting policies can be found in
        Note 2 of the accompanying Statutory Financial Statements and are summarized below.
Accounting for Investments
Investment valuation and presentation are determined to be in
        accordance with methods prescribed by the NAIC. See Note 5 and 6 of the audited Statutory Financial Statements for additional information regarding the portfolio and fair value of investments.
Aggregate Reserves for Life Policies and Annuity
        Contracts
See Notes 12 through 14 of the audited Statutory Financial Statements
        for additional information regarding our annuity and life actuarial reserves, deposit liabilities, and separate accounts.
Derivatives
See Notes 2 and 5 of the audited Statutory Financial Statements for
        additional information regarding our derivatives and hedging instruments.
Reinsurance
See Note 11 of the audited Statutory Financial Statements for
        additional information regarding reinsurance agreements we have entered into to manage insurance risk, as well as businesses we exited.
Income Taxes
See Note 9 of the audited Statutory Financial Statements for
        additional information regarding income tax estimates and assumptions.
Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)
Page 4 of 22
Results of Operations
Year ended December 31,
Increase
                (decrease) and % change
Increase
                (decrease) and % change
2023
2022
2021
2023 - 2022
2022 - 2021
Income:
Premium and annuity considerations*
$
17,633
14,427
14,291
$
3,206
22.2
%
$
136
1.0
%
Net investment
                income
4,822
4,544
4,866
278
6.1
(322)
(6.6)
Ceded reinsurance reserve and expense
                adjustments
(1,535)
(545)
639
(990)
(181.7)
(1,184)
(185.3)
Fees from
                separate accounts
436
488
574
(52)
(10.7)
(86)
(15.0)
Other income
248
(503)
(32)
751
149.3
(471)
(1,471.9)
Total income
21,604
18,411
20,338
3,193
17.3
(1,927)
(9.5)
Benefits and other expenses:
Policyholder
                benefits and surrenders
12,444
8,499
10,876
3,945
46.4
(2,377)
(21.9)
Change in aggregate reserves
3,482
3,113
4,316
369
11.9
(1,203)
(27.9)
General and
                administrative and commission
2,682
2,236
2,195
446
19.9
41
1.9
Net transfers to separate accounts
834
1,732
2,424
(898)
(51.8)
(692)
(28.5)
Total
                benefits and other expenses
19,442
15,580
19,811
3,862
24.8
(4,231)
(21.4)
Pretax income (loss)
2,162
2,831
527
(669)
(23.6)
2,304
437.2
Income tax
                expense (benefit)
574
(2)
1,091
576
NM**
(1,093)
NM**
Net realized capital (loss) gain
(797)
(1,986)
1,856
1,189
59.9
(3,842)
(207.0)
Net income
                (loss)
$
791
847
1,292
(56)
(6.6)
%
$
(445)
(34.4)
%
Capital and Surplus:
Change in
                unrealized capital gain (loss)
$
522
(516)
(142)
1,038
201.2
%
$
(374)
(263.4)
%
Dividends to parent
(500)
(4,100)
(900)
3,600
87.8
(3,200)
(355.6)
Other change in
                capital & surplus
(294)
(421)
2,794
127
30.2
(3,215)
(115.1)
Net change in capital & surplus
$
519
(4,190)
3,044
4,709
112.4
%
$
(7,234)
(237.6)
%
*Includes premiums and annuity and
                supplementary contract considerations.
**Not meaningful
Year Ended December 31, 2023
Compared to
Year Ended
        December 31, 2022
Overview
The increase in capital and surplus was primarily driven by spread
        margin from Fixed-indexed annuities, impacts from positive equity markets, and a lower dividend payment to AZOA.
Income
•
Premium and annuity considerations
: Individual Annuities premium and annuity considerations increased primarily due to higher fixed-indexed annuity premium driven by competitive product features and the 2023 sales
        promotion. The Life segment increased as a result of an increase in first year and renewal premiums on Life Pro Plus Advantage
®
due to a growing block of business.
•
Net investment income:
Net investment income increased slightly due to growth in the fixed-indexed, and life blocks of business, and higher yielding assets.
•
Ceded reinsurance reserve and expense adjustments:
Ceded reinsurance reserve and expense adjustments increased primarily due to ceded Modco activity including reserves, investment income, option values and realized gains &
        losses as a result of favorable market activity.
•
Fees from separate accounts
: Fees from separate accounts decreased primarily due to lower separate account assets on the traditional variable annuity block of business due to a decline in the block of
        business as these products are no longer sold.
•
Other income:
Other income increased primarily due to derivative income on interest rate swaps that hedge variable annuities, primarily driven by a decrease in interest rates compared to 2022.
Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)
Page 5 of 22
Benefits and Other Expenses
•
Policyholder benefits and surrenders
: Policyholder benefits and surrenders increased primarily due to increases in surrenders on fixed and variable annuity and the life lines of business, as well as increased death
        claim activity on the life line of business.
•
Change in aggregate reserves:
Change in aggregate reserves increased on the Life segment due to the Life Voluntary Reserve that was established in 2023 and higher index credits as a result of the positive
        equity market performance in 2023, partially offset by a decrease in reserves for surrenders. Change in aggregate reserves decreased on the Annuity segment due to a decrease in variable annuity reserves due to positive equity market movements,
        partially offset by an increase in fixed annuity reserves due to increases in premium as a result of the 2023 sales promotion.
•
General and administrative and commission:
General, administrative and commission expense increased due to an increase in commissions expense as a result of higher sales of fixed-indexed annuities. Expenses on the Life
        segment also increased due to an increase in first year and renewal commissions which is consistent with production.
•
Net transfers to separate accounts:
Net transfers to separate accounts is driven by new premium and offset by contractholder withdrawals, and decreased due to increased surrender benefits and withdrawals for variable
        annuity contracts.
•
Income tax expense (benefit)
: Income tax benefit was driven by derivative hedging impacts in the Individual Annuity and Life segments.
•
Net realized capital (loss) gain:
Net realized capital loss due to losses on derivatives hedging both fixed-indexed and variable-indexed annuity product liabilities as a result of an increase in equity markets,
        partially offset by gains on derivatives used to hedge Life product liabilities.
Capital and Surplus
•
Change in unrealized capital gain (loss):
Unrealized capital losses are primarily due to gains on derivatives used to hedge product liabilities in the Individual Annuities and Life segments.
•
Dividends to parent:
Dividends of $500 were paid to the parent in 2023.
•
Other change in capital and surplus:
Other change in capital and surplus was lower in 2023 due to an increase in deferred income taxes.
Year Ended December 31, 2022 Compared to Year Ended December 31, 2021
Overview
The decrease in capital and surplus was primarily driven by dividends
        paid to AZOA, net realized capital losses on derivatives, and a decrease in Other change in capital and surplus which is lower due to a large one-time gain on new reinsurance transactions in Q4 2021. These impacts were partially offset by decreases
        in policyholder benefits and surrenders due to the reinsurance transaction and a decrease in aggregate reserve change due to negative equity markets.
Income
•
Premium and annuity considerations
:
Premium and annuity
        considerations increased primarily due to higher fixed-indexed annuity premium driven by competitive product features and a 2022 sales promotion
for the Allianz 222
®
products. For the Life segment, premiums and annuity considerations
increased as a result of an increase in first year and renewal premiums
on Life Pro Plus Advantage
®
due to a growing block of business.
•
Net investment income:
Net investment income decreased primarily due to a decrease in fixed annuity invested assets as a result of a coinsurance transaction in Q4 2021, partially offset by an increase in
        the Life segment due to an increase in invested assets.
•
Ceded reinsurance reserve and expense adjustments:
Ceded reinsurance reserve and expense adjustments was negative primarily due to Modco ceded reserves and Modco ceded investment income,
        as well as a decrease in reinsurance deferred gain impacts in the Individual Annuities segment.
Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)
Page 6 of 22
•
Fees

        from separate accounts
:
Fees from separate accounts decreased primarily due to
        lower separate account assets on the traditional variable annuity block of business due to negative equity markets.
•
Other income:
Other income decreased primarily due to derivative income on interest rate swaps that hedge variable annuities, primarily driven by increasing interest rates, within the Individual
        Annuity segment.
Benefits and Other Expenses
•
Policyholder benefits and surrenders
: Policyholder benefits and surrenders decreased primarily due to decreases in surrenders within the Individual Annuity segment driven primarily by an increase in ceded benefits as
        a result of the reinsurance transaction in Q4 2021, partially offset by an increase in surrender and death claim activity in the Life segment.
•
Change in aggregate reserves:
Change in aggregate reserves decreased primarily due to a decrease in the Individual Annuities segment driven by a decrease in index crediting on fixed annuity, partially offset by
        an increase in variable annuity reserves; both due to equity market movements. The Life segment reserves also decreased due to lower index credits as a result of the negative equity market performance in 2022, partially offset by an increase in
        premiums.
•
General and administrative and commission:
General, administrative and commission expense increased slightly due to an increase in commissions expense as a result of higher premium from the sale of fixed-indexed annuities
        in the Individual Annuity segment.
•
Net transfers to separate accounts:
Net transfers to separate accounts is driven by new premium and offset by contractholder withdrawals, and decreased due to lower variable-indexed premium in the Individual
        Annuities segment.
•
Income tax expense (benefit)
: Income tax benefit was driven by relatively low taxable income driven by derivative hedging impacts in the Individual Annuity segment, further impacted by Low Income Housing Tax
        Credits.
•
Net realized capital (loss) gain:
Net realized capital loss due to losses on derivatives hedging both the fixed-indexed annuities and life products, partially offset by gains on derivatives hedging variable-indexed
        annuity product liabilities as a result of a decrease in equity markets.
Capital and Surplus
•
Change in unrealized capital gain (loss):
Unrealized capital losses are primarily due to losses on derivatives in the Individual Annuities segment and the Life segment.
•
Dividends to parent:
Dividends of $4,100 were paid to the parent in 2022 as a result of the Q4 2021 reinsurance transaction.
•
Other change in capital and surplus:
Other change in capital and surplus was higher in 2021 due to the net deferred gain on the reinsurance agreements. Other unfavorable impacts in 2022 include a change in deferred
        income taxes as a result of negative hedging impacts.
Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)
Page 7 of 22
Individual Annuities
Segment Results of Operations
Year ended December 31,
Increase
                (decrease) and % change
Increase
                (decrease) and % change
2023
2022
2021
2023 - 2022
2022 - 2021
Income:
Premium and annuity considerations*
$
15,906
12,811
12,766
$
3,095
24.2
%
$
45
0.4
%
Net investment
                income
4,289
4,056
4,467
233
5.7
(411)
(9.2)
Ceded reinsurance reserve and expense
                adjustments
(1,554)
(531)
656
(1,023)
(192.7)
(1,187)
(180.9)
Fees from
                separate accounts
436
488
574
(52)
(10.7)
(86)
(15.0)
Other income
239
(501)
(37)
740
147.7
(464)
(1,254.1)
Total income
19,316
16,323
18,426
2,993
18.3
(2,103)
(11.4)
Benefits and other expenses:
Policyholder
                benefits and surrenders
11,993
8,150
10,584
3,843
47.2
(2,434)
(23.0)
Change in aggregate reserves
1,865
2,024
2,789
(159)
(7.9)
(765)
(27.4)
General and
                administrative and commission
2,207
1,827
1,756
380
20.8
71
4.0
Net transfers to separate accounts
836
1,734
2,426
(898)
(51.8)
(692)
(28.5)
Total
                benefits and other expenses
16,901
13,735
17,555
3,166
23.1
(3,820)
(21.8)
Pretax income
2,415
2,588
871
(173)
(6.7)
1,717
197.1
Income tax
                expense (benefit)
641
(2)
1,802
643
NM**
(1,804)
NM**
Net realized capital (loss) gain
(839)
(1,701)
1,519
862
50.7
(3,220)
(212.0)
Net income
                (loss)
$
935
889
588
$
46
5.2
%
$
301
51.2
%
Capital and Surplus:
Change in
                unrealized capital gain (loss)
$
346
(423)
(125)
$
769
181.8
%
$
(298)
(238.4)
%
Other change in capital & surplus
(336)
(400)
2,792
64
16.0
(3,192)
(114.3)
Net change in
                capital & surplus
$
945
66
3,255
$
879
1,331.8
%
$
(3,189)
(98.0)
%
*Includes premiums and annuity and
                supplementary contract considerations.
**Not meaningful
Selected Operating Performance Measures
Year ended December 31,
Increase
                (decrease) and % change
Increase
                (decrease) and % change
2023
2022
2021
2023 - 2022
2022 - 2021
Individual Annuities
Deposits
$
16,986
13,439
13,226
3,547
26.4
%
213
1.6
%
In-force
146,794
139,294
141,131
7,500
5.4
%
(1,837)
(1.3)
%
Deposits and in-force amounts in the table above are for direct and
        assumed business. Deposits reflect amounts collected on both new and renewal business. In-force represents account values of the annuity contracts. In 2023, sales of our fixed-indexed annuity products were higher than the prior year due to the 2023
        sales promotion. In 2022, sales of our fixed-indexed annuity products were higher than the prior year due to impacts of increasing interest rates and strong sales for Allianz 222
®
due to a 2022 sales promotion.
Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)
Page 8 of 22
Change in Key Market Factors
Our Individual Annuities segment is impacted by various market impacts
        which are summarized below:
Year ended December 31,
% change
2023
2022
2021
2023 - 2022
2022 - 2021
Stock Index
S&P 500
24.23%
(19.44)%
26.89%
43.67%
(46.33)%
NASDAQ 100
53.81%
(32.97)%
26.63%
86.78%
(59.60)%
BUDBI
7.97%
(13.57)%
6.35%
21.54%
(19.92)%
BUDBI II
6.81%
(10.80)%
4.60%
17.61%
(15.40)%
As of December 31,
Basis point (bps) change
2023
2022
2021
2023 - 2022
2022 - 2021
Interest Rates
Swap rate - 10 year
3.48%
3.84%
1.58%
(36bps)
226bps
Swap rate - 20
                year
3.51%
3.74%
1.76%
(23bps)
198bps
Year Ended December 31, 2023
Compared to
Year Ended
        December 31, 2022
Overview
The Individual Annuities segment net increase in capital and surplus
        was driven by spread margin from Fixed-indexed annuities, and impacts from positive equity markets.
Income
•
Premium and annuity considerations
: Premium and annuity considerations increased primarily due to higher fixed-indexed annuity premium driven by competitive product features and a 2023 sales promotion.
•
Net investment income:
Net investment income increased slightly due to growth in the fixed-indexed annuity block of business and higher yielding assets.
•
Ceded reinsurance reserve and expense adjustments:
Ceded reinsurance reserve and expense adjustments increased primarily due to ceded Modco activity including reserves, investment income,
        option values and realized gains & losses as a result of favorable market activity.
•
Fees from separate accounts
: Fees from separate accounts decreased primarily due to lower separate account assets on the traditional variable annuity block of business due to a decline in the block of
        business as these products are no longer sold.
•
Other income:
Other income increased primarily due to derivative income on interest rate swaps that hedge variable annuities, primarily driven by a decrease in interest rates compared to 2022.
Benefits and Other Expenses
•
Policyholder benefits and surrenders
: Policyholder benefits and surrenders increased primarily due to increases in surrenders on both the fixed and variable annuity lines of business.
•
Change in aggregate reserves:
Change in aggregate reserves decreased primarily due to a decrease in variable annuity reserves due to positive equity market movements, partially offset by an increase in fixed
        annuity reserves due to increases in premium as a result of the 2023 sales promotion.
•
General and administrative and commission:
General, administrative and commission expense increased due to an increase in commissions expense as a result of higher sales of fixed-indexed annuities.
•
Net transfers to separate accounts:
Net transfers to separate accounts is driven by new premium and offset by contractholder withdrawals, and decreased due to increased surrender benefits and withdrawals for variable
        annuity contracts.
•
Income tax expense (benefit)
: Income tax expense (benefit) is driven by the pre-tax items discussed above, and is allocated to operating segments based on the Company's effective rate.
Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)
Page 9 of 22
•
Net realized capital (loss) gain:
Net realized capital loss due to losses on derivatives hedging both fixed-indexed and variable-indexed annuity product liabilities as a result of an increase in equity markets.
Capital and Surplus
•
Change in unrealized capital gain (loss):
Unrealized capital gains are primarily due to gains on derivatives used to hedge product liabilities on fixed-indexed annuities, partially offset by losses on derivatives hedging
        variable-indexed annuities.
•
Other change in capital and surplus:
Other change in capital and surplus was higher in 2023 due to an increase in deferred income taxes.
Year Ended December 31, 2022 Compared to
Year Ended
        December 31, 2021
Overview
The Individual Annuities segment net increase in capital and surplus
        was lower compared to the prior year due to one-time impacts of new reinsurance agreements in 2021 that covered certain fixed-indexed annuities, in addition to negative equity market impacts in 2022.
Income
•
Premium and annuity considerations
:
Premium and annuity
        considerations increased primarily due to higher fixed-indexed annuity premium driven by competitive product features and a 2022 sales promotion
for the Allianz 222
®
products.
•
Net Investment Income
: Net investment income decreased primarily due to decreases in fixed annuity allocated investment income due to lower reserves as a result of a coinsurance transaction in Q4 2021.
•
Ceded reinsurance reserve and expense adjustments:
Ceded reinsurance reserve and expense adjustments was negative primarily due to Modco ceded reserves and Modco ceded investment income,
        as well as a decrease in reinsurance deferred gain impacts.
•
Fees from separate accounts
: Fees from separate accounts decreased primarily due to lower separate account assets on the traditional variable annuity block of business due to negative equity markets.
•
Other income:
Other income decreased primarily due to derivative income on interest rate swaps that hedge variable annuities, primarily driven by increasing interest rates.
Benefits and Other Expenses
•
Policyholder benefits and surrenders
: Policyholder benefits and surrenders decreased primarily due to decreases in surrenders on both the fixed and variable annuity lines of business as well as decreases in death
        claims and annuitizations on the fixed annuity line of business. The fixed annuity decreases are also driven primarily by an increase in ceded benefits as a result of the reinsurance transaction in Q4 2021.
•
Change in aggregate reserves:
Change in aggregate reserves decreased primarily due to a decrease in fixed reserves due to a decrease in index crediting, partially offset by an increase in variable annuity
        reserves; both due to negative equity market movements.
•
General and administrative and commission:
General, administrative and commission expense increased due to an increase in commissions expense as a result of higher sales of fixed-indexed annuities.
•
Net transfers to separate accounts:
Net transfers to separate accounts is driven by new premium and offset by contractholder withdrawals, and decreased due to lower variable-indexed premium.
•
Income tax expense (benefit)
: Income tax expense (benefit) is driven by the pre-tax items discussed above, and is allocated to operating segments based on the Company's effective rate.
•
Net realized capital (loss) gain:
Net realized capital loss due to losses on derivatives hedging fixed-indexed annuities, partially offset by gains on derivatives hedging variable-indexed annuity product liabilities
        as a result of a decrease in equity markets.
Capital and Surplus
•
Change in unrealized capital gain (loss):
Unrealized capital losses are primarily due to losses on derivatives used to hedge product liabilities on fixed-indexed annuities, partially offset by gains on derivatives hedging
        variable-indexed annuities.
Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)
Page 10 of 22
•
Other change in capital and surplus:
Other change in capital and surplus was higher in 2021 due to the net deferred gain on new reinsurance agreements. Other unfavorable impacts in 2022 include a change in deferred
        income taxes as a result of negative hedging impacts.
Life
Segment Results of Operations
Year ended December 31,
Increase
                (decrease) and % change
Increase
                (decrease) and % change
2023
2022
2021
2023 - 2022
2022 - 2021
Income:
Premium and annuity considerations
$
1,549
1,447
1,363
$
102
7.0
%
$
84
6.2
%
Net investment
                income
369
328
259
41
12.5
69
26.6
Ceded reinsurance reserve and expense
                adjustments
13
(21)
(23)
34
161.9
2
8.7
Other income
6
(1)
3
7
700.0
(4)
(133.3)
Total income
1,937
1,753
1,602
184
10.5
151
9.4
Benefits and other
                expenses:
Policyholder benefits and surrenders
310
232
194
78
33.6
38
19.6
Change in
                aggregate reserves
1,340
869
1,216
471
54.2
(347)
(28.5)
General and administrative and commission
420
389
386
31
8.0
3
0.8
Total
                benefits and other expenses
2,070
1,490
1,796
580
38.9
(306)
(17.0)
Pretax income (loss)
(133)
263
(194)
(396)
(150.6)
457
235.6
Income tax
                expense (benefit)
(35)
—
(401)
(35)
NM*
401
100.0
Net realized capital (loss) gain
41
(297)
337
338
113.8
(634)
(188.1)
Net (loss)
                income
$
(57)
(34)
544
$
(23)
(67.6)
%
$
(578)
(106.3)
%
Capital and Surplus:
Change in
                unrealized capital gain (loss)
$
167
(95)
(9)
$
262
275.8
%
$
(86)
(955.6)
%
Other change in capital & surplus
(2)
(14)
1
12
85.7
(15)
(1,500.0)
Net change in
                capital & surplus
$
108
(143)
536
$
251
175.5
%
$
(679)
(126.7)
%
*Not meaningful
Selected Operating Performance Measures
Year ended December 31,
Increase
                (decrease) and % change
Increase
                (decrease) and % change
2023
2022
2021
2023 - 2022
2022 - 2021
Life
First year
                and renewal premiums
$
1,623
1,510
1,426
$
113
7.5
%
$
84
5.9
%
In-force
87,611
78,274
62,372
9,337
11.9
15,902
25.5
First year and renewal premiums and in-force amounts in the table
        above are for direct and assumed business. In-force amounts represent life insurance in-force on our FIUL business and certain universal life, and term life business. The continued increase in first year and renewal premiums in 2023, 2022 and 2021
        is a result of continued product enhancements and overall strong product proposition. The movement of in-force, year over year, is primarily driven by policyholder activity. Increases are driven by new business, and decreases are driven by
        policyholder charges, surrenders, and claims.
Year Ended December 31, 2023
Compared to
Year Ended
        December 31, 2022
Overview
The Life segment net change in capital and surplus increased primarily
        due to gains on derivatives, partially offset by higher aggregate reserve impacts driven by higher index credits due to favorable equity markets.
Income
•
Premium and annuity considerations
: Premiums and annuity considerations increased as a result of an increase in first year and renewal premiums on Life Pro Plus Advantage
®
due to a
        growing block of business.
Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)
Page 11 of 22
•
Net investment income:
Net investment income increased primarily due to an increase in Life average invested assets.
•
Ceded reinsurance reserve and expense adjustments:
Ceded reinsurance reserve and expense adjustments increased as a result of ceded modified coinsurance reserves on certain Life products.
Benefits and Other Expenses
•
Policyholder benefits and surrenders
: Policyholder benefits and surrenders increased primarily due to an increase in surrender and death claim activity on a growing block of business.
•
Change in aggregate reserves:
Change in aggregate reserves increased due to the Life Voluntary Reserve that was established in 2023 and higher index credits as a result of the positive equity market performance
        in 2023, partially offset by a decrease in reserves for surrenders.
•
General and administrative and commission:
General and administrative and commission expense increased due to an increase in first year and renewal commissions which is consistent with premium production, as well as an
        increase in allocated expenses.
•
Income tax expense (benefit)
: Income tax expense (benefit) is driven by the pre-tax items discussed above, and is allocated to operating segments based on the Company's effective rate.
•
Net realized capital (loss) gain:
Net realized capital gain increased due to gains on derivatives used to hedge Life product liabilities as a result of positive equity markets in 2023.
Capital and Surplus
•
Change in unrealized capital gain (loss):
Change in unrealized capital gain increased due to derivatives hedging the Life product liabilities as a result of positive equity markets in 2023.
•
Other change in capital and surplus:
Other change in capital and surplus has a limited impact on the Life Segment.
Year Ended December 31, 2022 Compared to Year Ended December 31, 2021
Overview
The Life segment net change in capital and surplus decreased primarily
        due to tax impacts and capital losses on derivatives driven by negative equity markets, partially offset by lower aggregate reserve impacts driven by lower index credits.
Income
•
Premium and annuity considerations
:
Premiums and annuity
        considerations increased as a result of an increase in first year and renewal premiums
on Life Pro Plus Advantage
®
due to a
        growing block of business.
•
Net investment income:
Net investment income increased primarily due to an increase in Life average invested assets.
•
Ceded reinsurance reserve and expense adjustments:
Ceded reinsurance reserve and expense adjustments increased slightly as a result of ceded modified coinsurance reserves on certain Life
        products.
Benefits and Other Expenses
•
Policyholder benefits and surrenders
: Policyholder benefits and surrenders increased primarily due to an increase in surrender and death claim activity on a growing block of business.
•
Change in aggregate reserves:
Change in aggregate reserves decreased due to lower index credits as a result of the negative equity market performance in 2022, partially offset by an increase in premiums.
•
General and administrative and commission:
General and administrative and commission expense increased primarily due to an increase in allocated expenses.
•
Income tax expense (benefit)
:
Income tax expense (benefit) is driven by the pre-tax items discussed above, and is allocated to operating segments based on the
        Company's effective rate.
•
Net

        realized capital (loss) gain:
Net realized capital loss increased due to losses on derivatives used to hedge Life product
        liabilities as a result of negative equity markets in 2022.
Capital and Surplus
•
Change in unrealized capital gain (loss):
Change in unrealized capital losses increased due to an increase in losses on derivatives hedging the Life product liabilities as a result of negative equity markets in 2022.
Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)
Page 12 of 22
•
Other change in capital and surplus:
Other change in capital and surplus has a limited impact on the Life Segment.
Legacy
Segment Results of Operations
Year ended December 31,
Increase
                (decrease) and % change
Increase
                (decrease) and % change
2023
2022
2021
2023 - 2022
2022 - 2021
Income:
Premium and annuity considerations
$
178
169
162
$
9
5.3
%
$
7
4.3
%
Net investment
                income
164
160
140
4
2.5
20
14.3
Ceded reinsurance reserve and expense
                adjustments
6
7
6
(1)
(14.3)
1
16.7
Other income
3
(1)
2
4
400.0
(3)
(150.0)
Total income
351
335
310
16
4.8
25
8.1
Benefits and
                other expenses:
Policyholder benefits and surrenders
141
117
98
24
20.5
19
19.4
Change in
                aggregate reserves
277
220
311
57
25.9
(91)
(29.3)
General and administrative and commission
55
20
52
35
175.0
(32)
(61.5)
Net transfers to
                separate accounts
(1)
(2)
(2)
1
50.0
—
—
Total benefits and other expenses
472
355
459
117
33.0
(104)
(22.7)
Pretax (loss)
                income
(121)
(20)
(149)
(101)
(505.0)
129
86.6
Income tax expense (benefit)
(32)
—
(310)
(32)
NM*
310
100.0
Net realized
                capital gain (loss)
1
12
—
(11)
(91.7)
12
NM*
Net (loss) income
$
(88)
(8)
161
$
(80)
(1,000.0)
%
$
(169)
(105.0)
%
Capital and Surplus:
Change in unrealized capital gain (loss)
$
9
3
(8)
$
6
200.0
%
$
11
137.5
%
Other change in
                capital & surplus
45
(7)
1
52
742.9
(8)
(800.0)
Net change in capital & surplus
$
(34)
(12)
154
$
(22)
(183.3)
%
$
(166)
(107.8)
%
*Not meaningful
Selected Operating Performance Measures
Year ended December 31,
Increase
                (decrease) and % change
Increase
                (decrease) and % change
2023
2022
2021
2023 - 2022
2022 - 2021
Legacy
Gross premiums written
$
277
266
258
$
11
4.1
%
$
8
3.1
%
In-force
2,248
2,421
2,611
(173)
(7.1)
(190)
(7.3)
Gross premium written in the table above are for direct and assumed
        business. Gross premiums written reflect premiums collected on renewal business. There are no new premiums as these are closed blocks of business. Gross premiums written remained relatively consistent in 2023 and 2022 with small movements due to
        assumed premium and rate increases outpacing decrements within LTC products. In-force amounts represent gross life insurance within our Special Markets products. The continued decline in in-force volume is attributable to the Legacy segment being a
        closed block of business.
Year Ended December 31, 2023
Compared to
Year Ended
        December 31, 2022
Overview
The Legacy segment unfavorable change in capital and surplus was
        driven by higher deficiency reserves and increases in policyholder benefits as well as general and administrative expenses.
Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)
Page 13 of 22
Income
•
Premium and annuity considerations:
Premium increased driven by assumed premium and policy rate increases outpacing decrements within LTC products.
•
Net investment income:
Net investment income increased driven by slight growth in LTC reserves on the aging block of business and higher allocated yields.
Benefits and Other Expenses
•
Policyholder benefits and surrenders
: Policyholder benefits and surrenders increased driven by higher paid claims on the LTC block business.
•
Change in aggregate reserves:
Change in aggregate reserves increased driven by an increase in premium deficiency claim reserves in 2023, partially offset by a lower increase in active life reserves.
•
General and administrative and commission:
General, administrative and commission expense increased due to an increase in TPA administrative expenses on LTC.
•
Income tax expense (benefit)
: Income tax expense (benefit) is driven by the pre-tax items discussed above, and is allocated to operating segments based on the Company's effective rate.
Capital and Surplus
•
Change in unrealized capital gain (losses):
Change in unrealized capital gains increased driven by unrealized gains on credit default swaps.
•
Other change in capital and surplus:
Other change in capital and surplus was driven by a prior year error correction recorded in 2023.
Year Ended December 31, 2022 Compared to Year Ended December 31, 2021
Overview
The Legacy segment unfavorable change in capital and surplus was
        driven by decrease in tax benefit as compared to the prior year, partially offset by lower deficiency reserves.
Income
•
Net investment income:
Net investment income increased driven by growth in LTC reserves and higher allocated yields.
Benefits and Other Expenses
•
Policyholder benefits and surrenders
: Policyholder benefits and surrenders increased driven by higher paid claims on the LTC block business.
•
Change in aggregate reserves:
Change in aggregate reserves decreased driven by lower increase in LTC premium deficiency reserves in 2022.
•
Income tax expense (benefit)
: Income tax expense (benefit) is driven by the pre-tax items discussed above, and is allocated to operating segments based on the Company's effective rate.
Capital and Surplus
•
Change in unrealized capital gain (losses):
Change in unrealized capital gains increased driven
by unrealized gains on credit default swaps.
Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)
Page 14 of 22
Dividends
Year ended December 31,
Increase
                (decrease) and % change
Increase
                (decrease) and % change
2023
2022
2021
2023 - 2022
2022 - 2021
Capital and Surplus:
Dividends to parent
$
(500)
(4,100)
(900)
$
3,600
12.2
%
$
(3,200)
(455.6)
%
We are required to meet minimum statutory capital and surplus
        requirements. Our statutory capital and surplus as of December 31, 2023 and 2022, were in compliance with these requirements. The maximum amount of ordinary dividends that can be paid by Minnesota insurance companies to the stockholder without
        prior approval of the Department is subject to restrictions relating to statutory earned surplus, also known as unassigned funds. Unassigned funds are determined in accordance with the accounting procedures and practices governing preparation of
        the statutory annual statement. In accordance with Minnesota Statutes, the Company may declare and pay from its Unassigned surplus cash dividends of not more than the greater of 10% of its prior year-end statutory surplus, or the net gain from
        operations before net realized capital gain of the insurer for the 12-month period ending the 31st day of the next preceding year. Based on these limitations, ordinary dividends of $1,587 can be paid in 2024 without prior approval of the
        Commissioner of Commerce.
Financial Condition
Investment Strategy
Our investment strategy focuses on
        diversification by asset class. We seek to achieve economic diversification, while limiting overall credit and liquidity risks. We attempt to mitigate these credit and liquidity risks by adhering to investment policies that provide portfolio
        diversification on an asset class, creditor, and industry basis, and by complying with investment limitations governed by state insurance laws and regulations, as applicable. We also consider all relevant objective information available in
        estimating the cash flows related to structured securities. We actively monitor and manage exposures, and determine whether any securities are impaired. The aggregate credit risk taken in the investment portfolio is influenced by our risk/return
        preferences, the economic and credit environment, and the ability to manage this risk through liability portfolio management. We also have an asset-liability management strategy to align cash flows and duration of the investment portfolio with
        contractholder liability cash flows and duration.
The following table presents the investment portfolio at December 31:
2023
2022
Carrying value
% of total
Carrying value
% of total
Bonds
$
89,197
73.6
%
$
89,143
77.2
%
Stocks
323
0.3
251
0.2
Investment in
                subsidiaries
1,442
1.2
1,442
1.2
Mortgage loans on real
                estate
18,115
15.0
17,728
15.3
Real estate
92
0.1
82
0.1
Cash and cash
                equivalents
3,431
2.8
2,232
1.9
Policy loans
509
0.4
309
0.3
Derivative assets
3,278
2.7
973
0.8
Other invested assets
4,754
3.9
3,504
3.0
Total cash and
                invested assets
$
121,141
100.0
%
$
115,664
100.0
%
Bonds
Refer to Note 5 of the audited Statutory Financial Statements for
        information regarding the nature of our portfolio of bonds. The tables below presents the NAIC rating for the Company's bond portfolio at December 31, 2023 and 2022.
Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)
Page 15 of 22
2023
NAIC Classes
Fair Value
% of Total
Amortized Cost
% of Total
1
$
46,990
57.2
%
$
50,969
57.1
%
2
33,518
40.8
36,377
40.9
Investment
                grade
80,508
98.0
87,346
98.0
3
1,349
1.6
1,434
1.6
4
304
0.4
348
0.4
5
33
—
40
—
6
29
—
29
—
Below
                investment grade
1,715
2.0
1,851
2.0
Total
$
82,223
100.0
%
$
89,197
100.0
%
2022
NAIC Classes
Fair Value
% of Total
Amortized Cost
% of Total
1
$
43,251
55.3
%
$
48,893
54.8
%
2
33,223
42.4
38,251
43.0
Investment
                grade
76,474
97.7
87,144
97.8
3
1,484
1.9
1,648
1.8
4
234
0.3
264
0.3
5
75
0.1
84
0.1
6
2
—
3
—
Below
                investment grade
1,795
2.3
1,999
2.2
Total
$
78,269
100.0
%
$
89,143
100.0
%
Sub-prime and Alt-A Mortgage Exposure
Sub-prime lending is the origination of loans to customers with weaker credit profiles. Due to the high
        quality of our mortgage-backed securities, and the lack of sub-prime loans in the securities, we do not have a material exposure to sub-prime or Alt-A mortgages in those holdings. Alt-A loans are defined as any security backed by residential
        mortgage collateral which is not clearly identifiable as prime or sub-prime.
Commercial Mortgage-backed, Asset-backed, and
        Residential Mortgage-backed Securities
Commercial mortgage-backed securities (CMBS) represent pools of
        commercial mortgages that are broadly diversified across property types and geographical areas. The following table summarizes our exposure to CMBS holdings by NAIC class and vintage year as of December 31:
2023
NAIC Classes
Amortized Cost
% of Total
Vintage
Amortized Cost
% of Total
1
$
4,084
100.0
%
2023
$
209
5.1
%
2
2
—
2022
105
2.6
3
1
—
2021
599
14.7
4
—
—
2020
205
5.0
5
—
—
2019 and prior
2,969
72.6
6
—
—
$
4,087
100.0
%
$
4,087
100.0
%
Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)
Page 16 of 22
2022
NAIC Classes
Amortized Cost
% of Total
Vintage
Amortized Cost
% of Total
1
$
5,093
100.0
%
2022
$
11
0.2
%
2
1
—
2021
557
10.9
3
2
—
2020
208
4.1
4
—
—
2019
955
18.7
5
—
—
2018 and prior
3,365
66.1
6
—
—
$
5,096
100.0
%
$
5,096
100.0
%
Asset backed security (ABS) holdings consist primarily of aircraft
        leases, credit card receivables and other asset-backed securities that meet specific criteria, such as credit quality, insurance requirements, or other limits.
The following table summarizes our exposure to other ABS holdings by
        NAIC class and vintage year as of December 31:
2023
NAIC Classes
Amortized Cost
% of Total
Vintage
Amortized Cost
% of Total
1
$
8,491
79.9
%
2023
$
2,812
26.4
%
2
1,836
17.3
2022
2,271
21.4
3
145
1.4
2021
3,219
30.3
4
94
0.9
2020
613
5.8
5
30
0.3
2019 and prior
1,707
16.1
6
26
0.2
$
10,622
100.0
%
$
10,622
100.0
%
2022
NAIC Classes
Amortized Cost
% of Total
Vintage
Amortized Cost
% of Total
1
$
6,556
74.0
%
2022
$
2,782
31.4
%
2
2,028
22.9
2021
3,476
39.2
3
146
1.6
2020
593
6.7
4
50
0.6
2019
519
5.9
5
79
0.9
2018 and prior
1,489
16.8
6
—
—
$
8,859
100.0
%
$
8,859
100.0
%
Non-agency residential mortgage-backed securities (NA RMBS) are backed by pools of
        residential mortgage loans made to non-prime borrowers, diversified across geographies.
The following table summarizes our exposure to NA RMBS holdings by
        NAIC class and vintage year as of December 31:
2023
NAIC Classes
Amortized Cost
% of Total
Vintage
Amortized Cost
% of Total
1
$
141
84.4
%
2023
$
—
—
%
2
6
3.6
2022
—
—
3
1
0.6
2021
—
—
4
8
4.8
2020
—
—
5
9
5.4
2019 and prior
167
100.0
6
2
1.2
$
167
100.0
%
$
167
100.0
%
Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)
Page 17 of 22
2022
NAIC Classes
Amortized Cost
% of Total
Vintage
Amortized Cost
% of Total
1
$
170
87.6
%
2022
$
—
—
%
2
5
2.6
2021
—
—
3
4
2.1
2020
—
—
4
9
4.6
2019
—
—
5
4
2.1
2018 and prior
194
100.0
6
2
1.0
$
194
100.0
%
$
194
100.0
%
Unrealized investment losses on bonds, for investment grade (NAIC
        classes 1-2) and below investment grade (NAIC classes 3-6) securities by duration are as follows at December 31:
2023
Investment Grade
% of Total
Below Investment
                Grade
% of Total
Twelve months or less
                below carrying value
$
154
1.9
%
$
9
0.1
%
More than twelve months
                below carrying value
7,611
96.1
154
1.9
Total
$
7,765
98.0
%
$
163
2.0
%
2022
Investment Grade
% of Total
Below Investment
                Grade
% of Total
Twelve months or less
                below carrying value
$
8,543
75.6
%
$
102
0.9
%
More than twelve months
                below carrying value
2,548
22.5
114
1.0
Total
$
11,091
98.1
%
$
216
1.9
%
See Note 5 of the audited Statutory Financial Statements for
        additional disclosures in regards to unrealized investment losses on bonds.
Other-than-temporary impairments, by market sector, for impairments
        included in the Statutory Statements of Operations, were as follows at December 31:
2023
2022
Impairment
No. of Securities
Impairment
No. of Securities
Partnerships
$
2
2
$
—
1
Commercial mortgage
                loans
46
4
48
1
Corporate securities
73
46
84
58
Total
$
121
52
$
132
60
Refer to Note 6 of the audited Statutory Financial Statements for
        information regarding the fair value and fair value hierarchy level of our financial instruments.
Mortgage Loans on Real Estate
See Note 5 of the audited Statutory Financial Statements and Schedules
        for information regarding Mortgage Loans on Real Estate.
Loan-to-value (LTV) and debt service coverage (DSC) ratios are common
        measurements used to assess the risk and quality of mortgage loans. The LTV ratio, calculated at the time of origination, is the percentage of the loan amount relative to the value of the underlying property. The DSC ratio, based upon the most
        recently received financial statements from the debtor, is calculated as the amount of the property's net income divided by the debt service payments.
See Note 5 of the audited Statutory Financial Statements for
        additional information relating to LTV and DSC ratios.
Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)
Page 18 of 22
Properties collateralizing mortgage loans are geographically dispersed
        throughout the United States as follows at December 31:
2023
2022
Gross Carry Value
% of Total
Gross Carry Value
% of Total
Commercial mortgage
                loans by region
East North
                Central
$
1,408
8.6
%
$
1,429
9.0
%
East South
                Central
561
3.4
448
2.8
Middle
                Atlantic
1,384
8.5
1,303
8.2
Mountain
1,849
11.4
1,645
10.4
New England
603
3.7
576
3.6
Pacific
4,397
27.0
4,439
28.0
South
                Atlantic
3,518
21.6
3,574
22.5
West North
                Central
1,045
6.4
984
6.2
West South
                Central
1,516
9.3
1,457
9.2
Total
                commercial mortgage loans
$
16,281
100.0
%
$
15,855
100.0
%
2023
2022
Gross Carry Value
% of Total
Gross Carry Value
% of Total
Residential mortgage
                loans by region
East North
                Central
$
133
7.2
%
$
139
7.4
%
East South
                Central
35
1.9
30
1.6
Middle
                Atlantic
424
23.1
441
23.5
Mountain
168
9.2
181
9.7
New England
106
5.8
115
6.1
Pacific
584
31.8
587
31.3
South
                Atlantic
266
14.5
269
14.4
West North
                Central
11
0.6
12
0.6
West South
                Central
107
5.8
100
5.3
Total
                residential mortgage loans
$
1,834
100.0
%
$
1,873
100.0
%
Properties collateralizing commercial mortgage loans are diversified
        by property type as follows at December 31:
2023
2022
Gross Carry Value
% of Total
Gross Carry Value
% of Total
Mortgage loans by
                property type
Industrial
$
3,169
19.5
%
$
3,018
19.0
%
Retail
2,325
14.3
2,480
15.6
Office
4,587
28.2
4,748
29.9
Apartments
6,200
38.0
5,609
35.5
Total
$
16,281
100.0
%
$
15,855
100.0
%
Liquidity and Capital Resources
Overview
The Company's liquidity requirements are generally met through funds
        provided by investment income, receipt of insurance premiums, M&E fees and benefit rider income, maturities and sales of investments, reinsurance recoveries, and capital contributions from Allianz SE, as needed.
The Company has access to funding through securities lending under
        which the Company lends bonds and receives cash collateral and short term securities in an amount in excess of the fair value of the securities loaned.
The Company is a member of the Federal Home Loan Bank (FHLB) of Des
        Moines, which provides access to collateralized borrowings. Funding from the FHLB is collateralized with bonds from the Company's general account investment portfolio.
Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)
Page 19 of 22
Reinsurance may play a key role in funding the Company's continued
        growth, and may be utilized for any product for which there is significant uncertainty related to future claims experience. Moreover, the Company is generally risk adverse for its smaller lines of business, and predictability of future
        profitability takes precedence over retaining a large percentage of risk.
The Company does not utilize the capital markets as a source of
        capital. Should the need for capital arise, the Company may obtain capital contributions from Allianz SE as an alternative source of funding. If capital infusions are deemed necessary, the Company obtains prior approval by the Department, as
        appropriate.
The primary uses of funds are policy benefits, commissions, other
        product-related acquisition costs, investment purchases, operating expenses, and dividends to AZOA. The Company routinely reviews its sources and uses of funds in order to meet its ongoing obligations.
Financial Ratings and Strength
•
Standard & Poor's    AA (Very Strong)
•
Moody's        Aa3 (Strong)
•
AM Best        A+ (Superior)
Financial strength ratings are based upon an independent review of the
        Company, its ultimate parent (Allianz SE), subsidiaries, and the industry in which the Company operates. Each rating agency assigns ratings based on an independent review and takes into account a variety of factors to arrive at its final rating.
        Ratings are subject to change and there can be no assurance that the ratings afforded to the Company in the future will be consistent with historical ratings.
Cash Flows
The following table sets forth information from our Statutory
        Statements of Cash Flows for the years ended December 31:
2023
2022
2021
Net cash provided by
                (used in) operating activities
$
4,311
5,205
(4,241)
Net cash (used in) provided by investing
                activities
(2,644)
24
5,538
Net cash (used in)
                provided by financing and miscellaneous activities
(468)
(6,212)
1,008
Net change in cash, cash equivalents,
                and short-term investments
$
1,199
(983)
2,305
We have the funds necessary to meet the capital requirements of all
        states in which we do business, and to support our operations.
The decrease in net cash provided by operating activities in 2023 as compared to 2022
        is primarily due to an increase in benefits and loss-related payments as a result of higher surrender activity and commissions and expenses, partially offset by an increase in premiums. The increase in net cash provided by operating activities in
        2022 as compared to 2021 is primarily due to a decrease in benefits and loss-related payments as a result of ceded coinsurance reserves in 2021.
These impacts were partially offset by an increase in
        premiums, higher commission and expense allowances on reinsurance ceded, and continued growth in investment income due to higher invested assets driven by positive cash flows.
The increase in net cash used in investing activities in 2023 as
        compared to 2022 is driven by lower net bond sales, and a decrease in proceeds from hedging results driven by market impacts. The decrease in net cash provided by investing activities in 2022 as compared to 2021 is similarly driven by lower net
        bond sales, and a decrease in proceeds from hedging results driven by market impacts.
The decrease in net cash used in financing and miscellaneous
        activities in 2023 compared to 2022 is primarily driven by a decrease in dividends paid to AZOA. The increase in net cash used in financing and miscellaneous activities in 2022 compared to 2021 is primarily driven by an increase in dividends paid
        to AZOA.
Risk-Based Capital
Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)
Page 20 of 22
See Note 17 of the audited Statutory Financial Statements for
        information regarding the Risk-Based Capital (RBC). The Company's RBC ratio significantly exceeds required minimum thresholds as of December 31, 2023 and 2022.
Commitments & Contingencies
The Company has guarantees to provide for the maintenance of certain
        subsidiary's regulatory capital and surplus levels and has limited partnerships and private placement investments that require a commitment of capital. See Note 21 of the audited Statutory Financial Statements for information regarding commitments
        and contingencies.
The Company has mortgage notes payable; see Note 7 of the audited
        Statutory Financial Statements for additional information.
The Company has contractual obligations in the form of Policyholder
        liabilities; see Notes 12 through 14 of the audited Statutory Financial Statements for additional information regarding our annuity and life actuarial reserves, deposit liabilities, and separate accounts.
Off-Balance Sheet Arrangements
The Company does not have any off-balance sheet transactions,
        arrangements or other relationships that management believes would be reasonably likely to have a material effect on the Company's liquidity or capital position.
The Company utilizes derivatives for which the company is either
        required to settle variation margin or post collateral; see Note 5 of the audited Statutory Financial Statements for additional information regarding derivative collateral management.
Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)
Page 21 of 22
Item 11(j).
Quantitative and Qualitative Disclosures about Market Risk
Market risk is the risk of the loss of fair value resulting from
        adverse changes in market rates and prices, such as interest rates and equity prices. Market risk is directly influenced by the volatility and liquidity in the markets in which the related underlying financial instruments are traded. Refer to Note
        4 of the audited Statutory Financial Statements for additional details on how we mitigate our market exposure risk and our overall risk management practices.
Sensitivity Analysis
To assess the impact of changes in interest rate and equity markets,
        we perform sensitivity tests. Sensitivity tests measure the instantaneous impact of a single hypothetical interest rate or equity price change on our income, or fair value of an asset or liability, while holding all other rates or prices constant.
        To assess interest rate risk, we perform a sensitivity test which instantaneously shocks interest rates across all maturities by a hypothetical 50 bps. To assess equity risk, we perform a sensitivity test which instantaneously shocks all equity
        prices by a hypothetical 15%.
Interest Rate Risk
One means of assessing exposure to interest rate changes is to measure
        the potential change in the statutory value of an asset due to a hypothetical change in interest rates of 50 bps across all maturities. We noted that under this model, with all other factors remaining constant, a 50 bps increase in interest rates
        would cause our post-tax income to decrease by $13 as of December 31, 2023.
We also examined the impact on post-tax income due to a hypothetical
        decrease in interest rates of 50 bps across all maturities. Under this model, with all other factors being constant, we estimated that such a decline would cause our post-tax income to decrease by $24 as of December 31, 2023. Note that the impacts
        referenced reflect the net hedge impact and do not include any economic impact related to our fixed-income investment portfolio or economic changes in reserve calculations.
Equity Market Risk
One means of assessing exposure to changes in equity market prices is
        to estimate the potential changes in post-tax income from a hypothetical change in equity market prices of 15%. Under this model, with all other factors constant, we estimated that a decrease in equity market prices would cause our post-tax income
        to decrease by $160, while an increase in equity market prices would cause our post-tax income to increase by $90 based on our equity exposure as of December 31, 2023. Note that the impacts referenced reflect the net hedge impact and do not include
        any economic impact related to our fixed-income investment portfolio or economic changes in reserve calculations.
Management's Discussion and Analysis of Financial Condition and Results of Operations
            (for the 12 month period ended December 31, 2023)
Page 22 of 22
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Statutory Financial Statements
December 31, 2023 and 2022
(With Report of Independent Auditors Thereon)
Report of Independent Auditors
To the Board of Directors of Allianz Life Insurance Company of North America
Opinions
We have audited the accompanying statutory financial statements of Allianz Life Insurance Company of North America (the
        "Company"), which comprise the statutory statements of admitted assets, liabilities and capital and surplus as of December 31, 2023 and 2022, and the related statutory statements of operations, of capital and surplus, and of cash flow for each of
        the three years in the period ended December 31, 2023, including the related notes (collectively referred to as the "financial statements").
Unmodified Opinion on Statutory Basis of Accounting
In our opinion, the accompanying financial statements present fairly, in all material respects, the admitted assets, liabilities
        and capital and surplus of the Company as of December 31, 2023 and 2022, and the results of its operations and its cash flows for each of the three years in the period ended December 31, 2023, in accordance with the accounting practices prescribed
        or permitted by the Minnesota Department of Commerce Insurance Division described in Note 2.
Adverse Opinion on U.S. Generally Accepted Accounting Principles
In our opinion, because of the significance of the matter discussed in the Basis for Adverse Opinion on U.S. Generally Accepted
        Accounting Principles section of our report, the accompanying financial statements do not present fairly, in accordance with accounting principles generally accepted in the United States of America, the financial position of the Company as of
        December 31, 2023 and 2022, or the results of its operations or its cash flows for each of the three years in the period ended December 31, 2023.
Basis for Opinions
We conducted our audit in accordance with auditing standards generally accepted in the United States of America (US GAAS). Our
        responsibilities under those standards are further described in the Auditors' Responsibilities for the Audit of the Financial Statements section of our report. We are required to be independent of the Company and to meet our other ethical
        responsibilities, in accordance with the relevant ethical requirements relating to our audit. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion.
Basis for Adverse Opinion on U.S. Generally Accepted Accounting Principles
As described in Note 2 to the financial statements, the financial statements are prepared by the Company on the basis of the
        accounting practices prescribed or permitted by the Minnesota Department of Commerce Insurance Division, which is a basis of accounting other than accounting principles generally accepted in the United States of America.
The effects on the financial statements of the variances between the statutory basis of accounting described in Note 2 and
        accounting principles generally accepted in the United States of America, although not reasonably determinable, are presumed to be material.
Responsibilities of Management for the Financial Statements
Management is responsible for the preparation and fair presentation of the financial statements in accordance with the accounting
        practices prescribed or permitted by the Minnesota Department of Commerce Insurance Division. Management is also responsible for the design, implementation, and maintenance of internal control relevant to the preparation and fair presentation of
        financial statements that are free from material misstatement, whether due to fraud or error.
Statutory Financial Statements as of December 31, 2023
Page 1 of 69
In preparing the financial statements, management is required to evaluate whether there are conditions or events, considered in
        the aggregate, that raise substantial doubt about the Company's ability to continue as a going concern for one year after the date the financial statements are available to be issued.
Auditors' Responsibilities for the Audit of the Financial Statements
Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material
        misstatement, whether due to fraud or error, and to issue an auditors' report that includes our opinion. Reasonable assurance is a high level of assurance but is not absolute assurance and therefore is not a guarantee that an audit conducted in
        accordance with US GAAS will always detect a material misstatement when it exists. The risk of not detecting a material misstatement resulting from fraud is higher than for one resulting from error, as fraud may involve collusion, forgery,
        intentional omissions, misrepresentations, or the override of internal control. Misstatements are considered material if there is a substantial likelihood that, individually or in the aggregate, they would influence the judgment made by a
        reasonable user based on the financial statements.
In performing an audit in accordance with US GAAS, we:
•
Exercise professional judgment and maintain professional skepticism throughout the audit.
•
Identify and assess the risks of material misstatement of the financial statements, whether due to fraud or error, and design and perform audit procedures
        responsive to those risks. Such procedures include examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements.
•
Obtain an understanding of internal control relevant to the audit in order to design audit procedures that are appropriate in the circumstances, but not for the
        purpose of expressing an opinion on the effectiveness of the Company's internal control. Accordingly, no such opinion is expressed.
•
Evaluate the appropriateness of accounting policies used and the reasonableness of significant accounting estimates made by management, as well as evaluate the
        overall presentation of the financial statements.
•
Conclude whether, in our judgment, there are conditions or events, considered in the aggregate, that raise substantial doubt about the Company's ability to
        continue as a going concern for a reasonable period of time.
We are required to communicate with those charged with governance regarding, among other matters, the planned scope and timing of
        the audit, significant audit findings, and certain internal control-related matters that we identified during the audit.
/s/PricewaterhouseCoopers LLP
Minneapolis, Minnesota
April 8, 2024
Statutory Financial Statements as of December 31, 2023
Page 2 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus
December 31, 2023 and 2022
(Dollars in millions, except share data)
Admitted Assets
2023
2022
Cash and invested
                assets:
Bonds
$
89,197
89,143
Stocks
323
251
Investment
                in subsidiaries
1,442
1,442
Mortgage
                loans on real estate
18,115
17,728
Real estate
92
82
Cash, cash
                equivalents and short-term investments
3,431
2,232
Policy loans
509
309
Derivative
                assets
3,278
973
Other
                invested assets
4,754
3,504
Total cash and
                invested assets
121,141
115,664
Investment income due
                and accrued
1,471
1,273
Current federal and
                foreign income tax recoverable
583
270
Deferred tax asset, net
564
379
Other assets
1,326
1,035
Admitted
                assets, exclusive of separate account assets
125,085
118,621
Separate account assets
52,781
43,502
Total admitted
                assets
$
177,866
162,123
See
                accompanying notes to statutory financial statements.
Statutory Financial Statements as of December 31, 2023
Page 3 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus
December 31, 2023 and 2022
(Dollars in millions, except share data)
Liabilities and Capital and Surplus
2023
2022
Policyholder
                liabilities:
Life
                policies and annuity contracts
$
91,114
98,386
Accident and
                health policies
2,666
2,440
Deposit-type
                contracts
3,842
4,233
Life policy
                and contract claims
24
10
Accident and
                health policy and contract claims
24
22
Funds held
                under reinsurance treaties
10,034
139
Other
                policyholder funds
188
138
Total
                policyholder liabilities
107,892
105,368
Interest maintenance
                reserve
93
172
General expenses due and
                accrued
174
196
Due from separate
                accounts
(1,325)
(751)
Current income taxes
                payable
66
102
Borrowed money
2,515
2,010
Asset valuation reserve
1,442
1,266
Derivative liabilities
2,835
747
Other liabilities
4,359
2,996
Liabilities,
                exclusive of separate account liabilities
118,051
112,106
Separate account
                liabilities
52,781
43,502
Total
                liabilities
170,832
155,608
Capital and surplus:
Class A,
                Series A preferred stock, $1 par value. Authorized, issued, and outstanding, 8,909,195 shares; liquidation preference of $0 and $10 at December 31, 2023 and 2022, respectively
9
9
Class A, Series B preferred stock, $1
                par value. Authorized, 10,000,000 shares; issued and outstanding, 9,994,289 shares; liquidation preference of $0 and $12 at December 31, 2023 and 2022, respectively
10
10
Common
                stock, $1 par value. Authorized, 40,000,000 shares; issued and outstanding, 20,000,001 shares at December 31, 2023 and 2022, respectively
20
20
Additional paid-in capital
3,676
3,676
Special
                surplus funds
(13)
(301)
Unassigned
                surplus
3,332
3,101
Total capital
                and surplus
7,034
6,515
Total
                liabilities and capital and surplus
$
177,866
162,123
See accompanying notes
                to statutory financial statements.
Statutory Financial Statements as of December 31, 2023
Page 4 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Statutory Statements of Operations
Years ended December 31, 2023, 2022, and 2021
(Dollars in millions)
2023
2022
2021
Income:
Premiums and
                annuity considerations
$
17,503
14,288
14,125
Consideration

                for supplementary contracts
130
139
166
Net
                investment income
4,822
4,544
4,866
Commissions
                and expense allowances on reinsurance ceded
736
649
1,093
Reserve
                adjustments related to reinsurance ceded
(2,271)
(1,194)
(454)
Fees from
                separate accounts
436
488
574
Other
248
(503)
(32)
Total income
21,604
18,411
20,338
Benefits and other
                expenses:
Policyholder
                benefits
1,860
1,846
2,076
Surrenders
10,584
6,653
8,800
Change in
                aggregate reserves and deposit funds
3,482
3,113
4,316
Commissions
                and other agent compensation
1,820
1,539
1,480
General and
                administrative expenses
862
697
715
Net
                transfers to separate accounts
834
1,732
2,424
Total benefits
                and other expenses
19,442
15,580
19,811
Income from operations before federal income taxes and net realized capital gain
2,162
2,831
527
Income tax expense
                (benefit)
574
(2)
1,091
Net income
                (loss) from operations before net realized capital gain
1,588
2,833
(564)
Net realized
                capital (loss) gain, net of taxes and interest maintenance reserve
(797)
(1,986)
1,856
Net income
$
791
847
1,292
See accompanying notes
                to statutory financial statements.
Statutory Financial Statements as of December 31, 2023
Page 5 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Statutory Statements of Capital and Surplus
Years ended December 31, 2023, 2022, and 2021
(Dollars in millions)
2023
2022
2021
Capital and
                surplus at beginning of year
$
6,515
10,705
7,661
Change due to
                correction of accounting error (Note 3)
34
—
40
Adjusted
                balance at beginning of year
6,549
10,705
7,701
Net income
791
847
1,292
Change in
                unrealized capital gain (loss)
522
(516)
(142)
Change in
                net deferred income tax
235
54
215
Change in
                asset valuation reserve
(176)
(118)
(165)
Dividends
                paid to parent
(500)
(4,100)
(900)
Change in
                unamortized gain on reinsurance transactions
(305)
(254)
2,737
Other
                changes in capital and surplus
(82)
(103)
(33)
Capital and
                surplus at end of year
$
7,034
6,515
10,705
See accompanying notes
                to statutory financial statements.
Statutory Financial Statements as of December 31, 2023
Page 6 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Statutory Statements of Cash Flow
Years ended December 31, 2023, 2022, and 2021
(Dollars in millions)
2023
2022
2021
Cash flow from operating
                activities:
Revenues:
Premiums and
                annuity considerations, net
$
15,681
14,427
14,291
Net
                investment income
4,663
4,352
5,069
Commissions
                and expense allowances on reinsurance ceded
431
333
385
Fees from
                separate accounts
436
488
574
Other
9
148
256
Cash provided by
                operating activities
21,220
19,748
20,575
Benefits and
                expenses paid:
Benefit and
                loss-related payments
11,632
9,619
19,238
Net transfers
                to separate accounts
1,408
1,849
2,766
Commissions,
                expenses paid, and aggregate write-ins for deductions
3,036
2,459
2,119
Income tax
                paid, net
833
616
709
Other
—
—
(16)
Cash used in
                operating activities
16,909
14,543
24,816
Net cash
                provided by (used in) operating activities
4,311
5,205
(4,241)
Cash flow from investing
                activities:
Proceeds from
                investments sold, matured or repaid:
Bonds
14,591
19,619
30,622
Stocks
144
98
282
Mortgage
                loans
781
1,403
1,806
Real estate
1
5
3
Other
                invested assets
157
154
81
Derivatives
—
—
1,213
Miscellaneous
                proceeds
264
893
35
Cash provided by
                investing activities
15,938
22,172
34,042
Cost of
                investments acquired:
Bonds
14,777
15,529
24,350
Stocks
219
107
292
Mortgage
                loans
1,223
2,030
3,347
Real estate
12
11
17
Other
                invested assets
956
549
408
Derivatives
410
3,881
—
Miscellaneous
                applications
785
—
78
Cash used in
                investing activities
18,382
22,107
28,492
Net increase
                in policy loans and premium notes
200
41
12
Net cash (used
                in) provided by investing activities
(2,644)
24
5,538
Cash flow from financing
                and miscellaneous activities:
Change in
                borrowed money
500
—
500
Payments on
                deposit-type contracts and other insurance liabilities, net of deposits
(1,135)
(1,203)
(1,264)
Dividends
                paid to parent
(500)
(4,100)
(900)
Other cash
                provided (used)
667
(909)
2,672
Net cash (used
                in) provided by financing and miscellaneous activities
(468)
(6,212)
1,008
Net change in
                cash, cash equivalents, and short-term investments
1,199
(983)
2,305
Cash, cash equivalents,
                and short-term investments:
Beginning of
                year
2,232
3,215
910
End of year
$
3,431
2,232
3,215
See accompanying notes to
                statutory financial statements.
Statutory Financial Statements as of December 31, 2023
Page 7 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
(1)    Organization and Nature of Operations
Allianz Life Insurance Company of North America (the
        Company) is a wholly-owned subsidiary of Allianz of America, Inc. (AZOA or parent company), which is a wholly-owned subsidiary of Allianz Europe, B.V. Allianz Europe, B.V. is a wholly-owned subsidiary of Allianz SE. Allianz SE is a European company
        registered in Munich, Germany, and is the Company's ultimate parent. The Company has a wholly-owned life insurance company subsidiary, Allianz Life Insurance Company of New York (AZNY). The Company also wholly owns a captive reinsurer, Allianz Life
        Insurance Company of Missouri (AZMO).
The Company is a life insurance company licensed to
        sell annuity, group and individual life, and group and individual accident and health policies in the United States, Canada, and several U.S. territories. Based on statutory net premium written, the Company's business is predominately annuity. The
        annuity business consists of fixed-indexed, variable-indexed, variable, and fixed annuities. The life business consists of both individual and group life. Life business includes products with guaranteed premiums and benefits and consists
        principally of fixed-indexed universal life (FIUL) policies and closed blocks of universal life policies, term insurance policies, and limited payment contracts. Accident and health business is primarily comprised of closed blocks of long-term care
        (LTC) insurance. The Company's primary distribution channels are through independent agents, broker-dealers, banks, and third-party marketing organizations.
After evaluating the Company's ability to continue
        as a going concern, management is not aware of any conditions or events which raise substantial doubt concerning the Company's ability to continue as a going concern as of the date of filing these Statutory Financial Statements.
(2)    Summary of Significant Accounting Policies
(a)
Basis of Presentation
The Statutory Financial Statements have been
        prepared in accordance with accounting practices prescribed or permitted by the Minnesota Department of Commerce (the Department). The Department recognizes statutory accounting practices prescribed or permitted by the state of Minnesota for
        determining and reporting the financial condition and results of operations of an insurance company and its solvency under Minnesota insurance law. The state of Minnesota has adopted the National Association of Insurance Commissioners (NAIC)
Accounting Practices and Procedures Manual
as its prescribed basis of statutory accounting principles (SAP), without significant modification. The Company has no material statutory accounting practices that differ from
        those of the Department or NAIC SAP. These practices differ in some respects from accounting principles generally accepted in the United States of America (U.S. GAAP). The effects of these differences, while not quantified, are presumed to be
        material to the Statutory Financial Statements. The more significant of these differences are as follows:
(1)    Acquisition costs, such as
        commissions and other costs incurred in connection with acquiring new and renewal business, are charged to current operations as incurred. Under U.S. GAAP, acquisition costs that are directly related to the successful acquisition of insurance
        contracts are capitalized and charged to operations on a straight-line basis over the expected term of the related contracts.
(2)    Aggregate reserves for life
        policies and annuity contracts, excluding variable annuities, are based on statutory mortality and interest assumptions without consideration for lapses or withdrawals. Under U.S. GAAP, aggregate reserves consider lapses and withdrawals.
(3)    Certain reinsurance
        transactions, primarily used for annuity business, are recognized as reinsurance for statutory purposes only.
(4)    Ceded reinsurance
        recoverable are netted against their related reserves within Policyholder liabilities, Life policies and annuity contracts and Life policy and contract claims, on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
        Under U.S. GAAP, these ceded reserves are presented on a gross basis as an asset.
Statutory Financial Statements as of December 31, 2023
Page 8 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
(5)    The Company reinsures a
        portion of its in-force block of business through several reinsurance agreements. Under NAIC SAP, the after-tax gains associated with these indemnity reinsurance transactions are recorded in Unassigned surplus and recognized through income as
        future earnings of the books of business emerge. Under U.S. GAAP, the pretax gains associated with such transactions that qualify as reinsurance, are deferred as liabilities and are amortized into operations over the revenue-producing period of the
        policies.
(6)    Bonds are carried at values
        prescribed by the NAIC, generally amortized cost, except for those with an NAIC rating of 6, which are reported at the lower of amortized cost or fair value. Under U.S. GAAP, bonds classified as "available-for-sale" are carried at fair value, with
        unrealized gains and losses recorded in stockholder's equity.
(7)    Changes in deferred income
        taxes are recorded directly to Unassigned surplus. Under U.S. GAAP, these items are generally recorded as an item of income tax benefit or expense in operations. Moreover, under NAIC SAP, a valuation allowance may be recorded against the deferred
        tax asset (DTA) and admittance testing may result in an additional charge to capital and surplus for nonadmitted portions of DTAs. Under U.S. GAAP, a valuation allowance may be recorded against the DTA and reflected as an expense.
(8)    Investments in subsidiaries
        are carried at net equity values as prescribed by the NAIC. Changes in equity values are reflected in Unassigned surplus within the Statutory Statements of Capital and Surplus as credits or charges to Unassigned surplus. Under U.S. GAAP, wholly
        owned subsidiary results are consolidated.
(9)    The Company is required to
        establish an asset valuation reserve (AVR) liability and an interest maintenance reserve (IMR) liability. The AVR provides for a standardized statutory investment valuation reserve for certain invested assets. Changes in this reserve are recorded
        as direct charges or credits to Unassigned surplus. The IMR is designed to defer net realized capital gains and losses, net of tax, resulting from changes in the level of prevailing market interest rates and amortize them into income within the
        Statutory Statements of Operations over the remaining life of the investment sold. The IMR represents the unamortized portion of applicable investment gains and losses as of the balance sheet date. There is no such concept under U.S. GAAP.
(10)    Canadian asset and
        liability amounts are expressed in Canadian dollars without foreign exchange translation into U.S. dollars. A net foreign currency translation adjustment is recorded within the Statutory Statements of Admitted Assets, Liabilities, and Capital and
        Surplus with an offset to Other changes in capital and surplus within the Statutory Statements of Capital and Surplus. Under U.S. GAAP, Canadian assets and liabilities are converted to U.S. dollars, with any translation adjustment recorded to
        stockholder's equity.
(11)    Certain assets designated
        as "nonadmitted assets" are not recognized and are charged directly to Unassigned surplus within the Statutory Statements of Capital and Surplus. These include, but are not limited to, investments in unaudited subsidiary, controlled, and affiliated
        (SCA) entities, electronic data processing (EDP) software, portions of goodwill, furniture and fixtures, prepaid expenses, receivables outstanding greater than 90 days, and portions of DTAs. There is no such concept under U.S. GAAP.
(12)    A provision is made for
        amounts ceded to unauthorized reinsurers in excess of collateral in the form of a trust or letter of credit through a direct charge to Unassigned surplus within the Statutory Statements of Capital and Surplus. There is no such requirement under
        U.S. GAAP.
(13)    Revenues for universal
        life policies and annuity contracts, excluding deposit-type contracts, are recognized as revenue when received within the Statutory Statements of Operations. Under U.S. GAAP, policy and contract fees charged for the cost of insurance, policy
        administrative charges, amortization of policy initiation fees, and surrender contract charges are recorded as revenues when earned.
Statutory Financial Statements as of December 31, 2023
Page 9 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
(14)    Benefits for universal
        life policies and annuity contracts within the Statutory Statements of Operations, excluding deposit-type contracts, consist of payments made to policyholders. Under U.S. GAAP, benefits represent interest credited, and claims and benefits incurred
        in excess of the policyholder's contract balance.
(15)    Derivatives are reported
        at fair value in accordance with SSAP No. 86, Derivatives (SSAP No. 86) and SSAP No. 108, Derivatives Hedging Variable Annuity Guarantees (SSAP No. 108). See additional information in section (k) of this note and note 5. Changes in the fair value
        of derivatives, except those reported under SSAP No. 108, are recorded as direct adjustments to Unassigned surplus as a component of Change in unrealized capital gains (losses) within the Statutory Statements of Capital and Surplus. For derivatives
        reported under SSAP No. 108, changes in fair value are recognized as net deferred assets or liabilities within Other assets or Other liabilities, respectively, in the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus,
        for fluctuations in fair value that do not offset the changes in the hedged item. The deferred asset or liability is amortized over the timeframe required under SSAP No. 108. Under U.S. GAAP, changes in the fair value of derivatives are recorded in
        derivative income (loss) as part of operating income and the hedged derivatives are carried at fair value. In addition, the effective and ineffective portions of a hedge are accounted for separately.
(16)    Commissions allowed by
        reinsurers on business ceded are reported as income when received within the Statutory Statements of Operations. Under U.S. GAAP, such commissions are deferred and amortized as a component of deferred acquisition costs to the extent
        recoverable.
(17)    The Statutory Financial
        Statements do not include a statement of comprehensive income as required under U.S. GAAP.
(18)    The Statutory Statements
        of Cash Flow do not classify cash flows consistent with U.S. GAAP and a reconciliation of net income to net cash provided from operating activities is not provided.
(19)    The calculation of
        reserves and transfers in the separate account statement requires the use of a Commissioners Annuity Reserve Valuation Method (CARVM) allowance on annuities for NAIC SAP. There is no such requirement under U.S. GAAP.
(20)    Sales inducements and
        premium bonuses are included in Life policies and annuity contracts in the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus, and are charged to current operations as incurred. Under U.S. GAAP, deferred sales inducements
        and premium bonuses are similarly reserved; however, the costs are capitalized as assets and charged to operations as future profits are recognized in a manner similar to acquisition costs.
(21)    Negative cash balances are
        presented as a negative asset within the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. These balances are presented as a liability under U.S. GAAP.
(22)    Embedded derivatives are
        not separated from the host contract and accounted for separately as a derivative instrument. Under U.S. GAAP, entities must separate the embedded derivative from the host contracts and separately account for those embedded derivatives at fair
        value.
(23)    For certain annuity
        products with a market value adjustment feature sold to Minnesota residents (MN MVA) and variable-indexed annuities, the Department requires the Company to maintain a separate asset portfolio to back related reserves. These assets and liabilities
        are required to be included as part of the Separate account assets and Separate account liabilities presented on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. Under U.S. GAAP, there is no such requirement.
Statutory Financial Statements as of December 31, 2023
Page 10 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
(b)
Permitted and Prescribed Statutory Accounting Practices
The Company is required to file annual statements
        with insurance regulatory authorities, which are prepared on an accounting basis permitted or prescribed by such authorities. Prescribed statutory accounting practices include state laws, regulations, and general administrative rules, as well as a
        variety of publications of the NAIC. Permitted statutory accounting practices encompass all accounting practices that are not prescribed; such practices differ from state to state, may differ from company to company within a state, and may change
        in the future. The Company has no permitted or prescribed practices that differ from NAIC SAP that had an impact on net income or surplus as of December 31, 2023, 2022, and 2021.
The Company's subsidiary, AZMO, has adopted an
        accounting practice that is prescribed by the Department of Insurance, Financial Institutions, and Professional Registration of the State of Missouri (the Missouri Department). The effect of the accounting practice allows a letter of credit to be
        carried as an admitted asset. The balance of the letter of credit asset at December 31, 2023 and 2022 was $99 and $117, respectively. Under NAIC SAP, this letter of credit would not be allowed as an admitted asset.
This prescribed practice does not impact the net
        income of AZMO and results in increases to surplus of $99 and $117 as of December 31, 2023 and 2022, respectively. The Company's carrying value of its investment in AZMO per the audited statutory surplus was $391 and $395, and the carrying value of
        its investment in AZMO would have been $292 and $278 if AZMO had completed Statutory Financial Statements in accordance with the NAIC SAP as of December 31, 2023 and 2022, respectively. AZMO maintains an adequate amount of surplus such that if it
        had not adopted the prescribed practice, surplus would still exceed the risk-based capital requirements.
(c)
Use of Estimates
The preparation of Statutory Financial Statements in
        conformity with NAIC SAP requires management to make certain estimates and assumptions that affect reported amounts of admitted assets and liabilities, including reporting or disclosure of contingent assets and liabilities as of December 31, 2023
        and 2022, and the reported amounts of revenues and expenses during the reporting period. Future events, including changes in mortality, morbidity, interest rates, capital markets, and asset valuations could cause actual results to differ from the
        estimates used within the Statutory Financial Statements. Such changes in estimates are recorded in the period they are determined.
(d)
Premiums and Annuity Considerations
Life premiums are recognized as income over the
        premium paying period of the related policies. Nondeposit-type annuity considerations are recognized as revenue when received. Accident and health premiums are earned ratably over the terms of the related insurance and reinsurance contracts or
        policies.
(e)
Aggregate Reserves for Life Policies and Annuity Contracts
Reserves are principally calculated as the minimum
        reserves permitted by the state where the contract is issued for the year in which the contract is issued.
For the Company's fixed annuity product lines,
        reserves are calculated using CARVM. The Company uses both issue year and change in fund basis for the calculation method, on a curtate basis, using the maximum allowable interest rate. Deferred fixed-interest and fixed-indexed annuities typically
        have a two-tier structure to encourage annuitization, or a single-tier structure, which may include a market value adjustment. Either two-tier or single-tier annuities may include bonuses.
For the Company's variable and variable-indexed
        annuity product lines, reserves are calculated using VM-21,
Requirements for Principle-Based Reserves for
        Variable Annuities
(VM-21). Variable deferred annuities include a wide range of guaranteed minimum death benefits and living
        benefits (income, accumulation, and withdrawal).
Reserves for immediate annuities are calculated
        using current prescribed mortality tables.
Statutory Financial Statements as of December 31, 2023
Page 11 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
Aggregate reserves for life insurance policies are
        principally calculated using the Commissioners Reserve Valuation Method (CRVM) or VM-20,
Requirements for
        Principle-Based Reserves for Life Products
, depending on the policy's issue date. Additional reserves are held for
        supplemental benefits and for contracts with secondary guarantees, consistent with prescribed regulations and actuarial guidelines.
Statutory capital volatility arises on the FIUL
        products due to the timing mismatch between when changes in the Company's derivative instruments and the hedged statutory reserve are recognized in income. To reduce the Company's capital sensitivity, the Company records a voluntary reserve, which
        accounts for policyholder index credits that are not included in minimum reserves minus expected investment income before credits are paid (floored at zero). The Company began recording this reserve in 2023, and the balance was $302 as of
        December 31, 2023.
The Company performs an annual asset adequacy
        analysis as required by regulation covering substantially all of its reserves. These tests are not only performed under the required interest rate scenarios, but also under additional stochastically generated interest and equity growth scenarios.
        Sensitivity tests, including policy lapse, annuitization, maintenance expenses, and investment return, are performed to evaluate potential insufficiencies in reserve adequacy. The results of these tests and analysis resulted in $0 of additional
        reserves at December 31, 2023 and 2022, respectively.
(f)
Aggregate Reserves for Accident and Health Policies
For accident and health business, reserves consist
        of active life reserves (mainly reserves for unearned premiums and reserves for contingent benefits on individual LTC business) and claim reserves (the present value of amounts not yet due). Claim reserves represent incurred but unpaid claims under
        group policies. For the LTC business, the asset adequacy analysis was performed through a gross premium valuation. At December 31, 2023 and 2022, the results of these tests and analysis supported the establishment of additional reserves of $492 and
        $412, respectively.
(g)
Deposit-type Contracts
Deposit-type contracts represent liabilities to
        policyholders in a payout status, who have chosen a fixed payout option without life contingencies. The premiums and claims related to deposit-type contracts are not reflected in the Statutory Statements of Operations as they do not have insurance
        risk. The Company accounts for the contract as a deposit-type contract in the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
(h)
Policy and Contract Claims
Policy and contract claims include the liability for
        claims reported but not yet paid, claims incurred but not yet reported (IBNR), and claim settlement expenses on the Company's accident and health business. Actuarial reserve development methods are generally used in the determination of IBNR
        liabilities. In cases of limited experience or lack of credible claims data, loss ratios are used to determine an appropriate IBNR liability. Claim and IBNR liabilities of a short-term nature are not discounted, but those claim liabilities
        resulting from disability income or LTC benefits include interest and mortality discounting.
(i)
Reinsurance
The Company assumes and cedes business with other
        insurers. Reinsurance premium and benefits paid or provided are accounted for in a manner consistent with the basis used in accounting for original policies issued and the terms of the reinsurance contracts. Amounts recoverable from reinsurers
        represent account balances and unpaid claims covered under reinsurance contracts. Amounts paid or deemed to have been paid for claims covered by reinsurance contracts are recorded as a reinsurance recoverable and are included in Other assets on the
        Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
Included in Unassigned surplus is the gain
        recognized when the Company enters into a coinsurance, modified coinsurance (modco) or yearly renewable term (YRT) agreement on existing business. The gain is deferred and
Statutory Financial Statements as of December 31, 2023
Page 12 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
amortized into operations on a basis consistent with
        how the future earnings emerge on the underlying business.
Reserve adjustments related to reinsurance ceded in
        the Statutory Statements of Operations include reserve changes received from reinsurers on modified coinsurance (modco) and funds withheld treaties. Under a modco or funds withheld agreement, the ceded reserves and a portfolio of assets remain on
        the Company's Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. Ceded reserves for modco are presented within Life policies and annuity contracts on the Statutory Statements of Admitted Assets, Liabilities, and Capital
        and Surplus, while ceded reserves for funds withheld are presented within Funds held under reinsurance treaties. Assets supporting these treaties are considered restricted as they are not under the full control of the Company.
(j)
Investments
Investment values are determined in accordance with
        methods prescribed by the NAIC.
Bonds and Stocks
The Securities Valuation Office (SVO) of the NAIC
        evaluates the credit quality of the Company's bond investments. Bonds rated at "1" (highest quality), "2" (high quality), "3" (medium quality), "4" (low quality), or "5" (lower quality) are reported at cost adjusted for the amortization of
        premiums, accretion of discounts, and any impairment. Bonds rated at "6" (lowest quality) are carried at the lower of amortized cost or fair value with any adjustments to fair value recorded to Unassigned surplus within the Statutory Statements of
        Capital and Surplus.
In accordance with its investment policy, the
        Company invests primarily in high-grade marketable securities. Dividends are accrued on the date declared and interest is accrued as earned. Premiums or discounts on bonds are amortized using the constant-yield method.
Loan-backed securities and structured securities are
        amortized using anticipated prepayments, in addition to other less significant factors. Prepayment assumptions for loan-backed and structured securities are obtained from various external sources or internal estimates. The Company believes these
        assumptions are consistent with those a market participant would use. The Company recognizes income using the modified scientific method based on prepayment assumptions and the estimated economic life of the securities. For structured securities,
        except for collateralized debt obligations (CDOs) and impaired bonds, when actual prepayments differ significantly from anticipated prepayments, the effective yield is recalculated to reflect actual payments to date and anticipated future payments
        retrospectively. Any resulting adjustment is included in Net investment income on the Statutory Statements of Operations. For CDOs and impaired bonds, when adjustments are made for anticipated prepayments and other expected changes in future cash
        flows, the effective yield is recalculated using the prospective method as required by Statement of Statutory Accounting Principles (SSAP) No. 43R –
Loan Backed and Structured Securities
(SSAP No. 43R).
Hybrid securities are investments structured to have
        characteristics of both stocks and bonds. The Company records these securities within Bonds on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
Common stocks, other than investments in
        subsidiaries and Federal Home Loan Bank (FHLB) stock, are carried at fair value. FHLB stock is carried at cost, which approximates fair value.
Gross realized gains and losses are computed based
        on the average amortized cost of all lots held for a particular CUSIP.
The fair value of bonds and common stocks is
        obtained from third-party pricing sources whenever possible. Management completes its own independent price verification (IPV) process, which ensures security pricing is obtained from a third-party source other than the sources used by the
        Company's internal and external investment managers. The IPV process supports the reasonableness of price overrides and challenges by the
Statutory Financial Statements as of December 31, 2023
Page 13 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
internal and external investment managers and
        reviews pricing for appropriateness. Results of the IPV process are reviewed by the Company's Pricing Committee.
The Company reviews its combined investment
        portfolio, including subsidiaries, in aggregate each quarter to determine if declines in fair value are other than temporary.
For bonds for which the fair value is less than
        amortized cost, the Company evaluates whether a credit loss exists by considering primarily the following factors: (a) the length of time and extent to which the fair value has been less than the amortized cost of the security; (b) changes in the
        financial condition, credit rating, and near-term prospects of the issuer; (c) whether the issuer is current on contractually obligated interest and principal payments; (d) changes in the financial condition of the security's underlying collateral,
        if any; and (e) the payment structure of the security. For loan-backed securities, the Company must allocate other-than-temporary impairments (OTTI) between interest and noninterest-related declines in fair value. Interest-related impairments are
        considered other than temporary when the Company has the intent to sell the investment prior to recovery of the cost of the investment. The Company maintains a prohibited disposal list that restricts the ability of the investment managers to sell
        securities in a significant unrealized loss position and requires formal attestations from investment managers regarding their lack of intent to sell certain securities.
The Company evaluates whether equity securities are
        other-than-temporarily impaired through a review process which includes, but is not limited to, market analysis, analyzing current events, assessing recent price declines, and management's judgment related to the likelihood of recovery within a
        reasonable period of time.
Impairments considered to be other-than-temporary
        are recorded as a reduction of the cost of the security, and a corresponding realized loss is recognized on the Statutory Statements of Operations in the period in which the impairment is determined. Recognition of the realized loss is subject to
        potential offset by AVR and IMR.
The Company holds certain cash equivalents which
        receive bond treatment based on their underlying securities. These are classified as Other assets receiving bond treatment in Note 5.
Investment in Subsidiaries
Common stock of the Company's insurance subsidiaries
        is carried at SAP capital and surplus, and investments in non-insurance subsidiaries are carried at U.S. GAAP equity value adjusted for certain items that are considered to be non-admitted. Unaudited subsidiaries are fully non-admitted.
Mortgage Loans on Real Estate
Mortgage loans on real estate, including commercial
        mortgage loans (CMLs) and residential mortgage loans (RMLs), are carried at the outstanding principal balance, adjusted for any impairment. The fair value of CMLs is calculated by analyzing individual loans and assigning ratings to each loan based
        on a combination of loan-to-value ratios and debt service coverage ratios. Fair value is determined based on these factors as well as the contractual cash flows of each loan and the current market interest rates for similar loans. The fair value of
        RMLs is calculated by discounting estimated cash flows, with discount rates based on current market conditions. The Company evaluates loans quarterly to assess whether there is an impairment based on the likelihood of receiving all contractual cash
        flows. The Company accounts for interest income on impaired loans on a cash basis. Interest accrual is discontinued for impaired loans and interest income is only recognized when received. Payments received on impaired loans are applied to accrued
        interest, and payments received in excess of accrued interest are applied to principal.
Statutory Financial Statements as of December 31, 2023
Page 14 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
Real Estate
Real estate primarily represents the Company's home
        office property, and is carried at depreciated cost less encumbrances in accordance with SSAP No. 40 –
Real

        Estate Investments
. Real estate income, including income received from home office property, is included in Net investment
        income on the Statutory Statements of Operations. Real estate, exclusive of land, is depreciated on a straight-line basis over estimated useful lives ranging from 3 to 40 years. At December 31, 2023 and 2022, accumulated depreciation was $88 and
        $83, respectively. Furthermore, as of December 31, 2023 and 2022, real estate was presented net of encumbrances of $8 and $20, respectively, as discussed in Note 7.
The Company had real estate classified as held for
        sale that was transferred from RMLs in the amount of $4 and $0 as of December 31, 2023 and 2022, respectively. Allianz Life sold properties with a book value of $1, $4 and $3 during the years ended December 31, 2023, 2022 and 2021, respectively,
        and recognized a gain of $0, $1, and $0 during the years ended December 31, 2023, 2022 and 2021, respectively.
Cash, Cash Equivalents and Short-term Investments
Cash and cash equivalents may include cash on hand,
        demand deposits, money market funds, reverse repurchase agreements (repo), and highly liquid debt instruments purchased with an original maturity of three months or less. Due to the short-term nature of these investments, the carrying value is
        deemed to approximate fair value.
In the normal course of business, the Company enters
        into bilateral and tri-party repos, whereby the Company purchases securities and simultaneously agrees to resell the same securities at a stated price on a specified date in the future, for the purpose of earning a specified rate of return. An
        affiliate of the Company serves as the agent in the bilateral agreements and an unaffiliated bank serves as the custodian in the tri-party agreements. The bilateral agreements require purchases of specifically identified securities. If at any time
        the fair value of those purchased securities falls below the purchase price, additional collateral in the form of cash or additional securities is required to be transferred to ensure margin maintenance. The tri-party agreements allow for the
        purchase of certain bonds and structured securities, and require a minimum of 102% of fair value of the securities purchased to be maintained as collateral.
The Company's repos are accounted for as
        collateralized lending in accordance with SSAP No. 103R –
Transfers and Servicing of Financial Assets and
        Extinguishments of Liabilities
(SSAP No. 103R), whereby the amounts paid for the securities are reported as cash equivalents
        within Cash and cash equivalents on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The difference between the amount paid and the amount at which the securities will be resold is reported as interest income
        within Net investment income on the Statutory Statements of Operations.
Short-term investments are comprised of bonds due in
        one year or less at original purchase. Due to the short-term nature of these investments, the carrying value is deemed to approximate fair value.
Policy Loans
Policy loans are supported by the underlying cash
        value of the policies. Policy loans are carried at unpaid principal balances plus accrued interest income on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The unpaid principal balances are not in excess of the
        cash surrender values of the related policies.
Statutory Financial Statements as of December 31, 2023
Page 15 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
Other Invested Assets
The Company participates in securities lending
        arrangements whereby specific securities are loaned to other institutions. The Company receives collateral from these arrangements including cash and cash equivalents, which can be reinvested based on the Company's discretion, and noncash
        collateral, which may not be sold or re-pledged unless the counterparty is in default. The Company accounts for its securities lending transactions as secured borrowings, in which the cash collateral received and the related obligation to return
        the cash collateral are recorded in Other invested assets and Other liabilities, respectively, on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. Noncash collateral received is not reflected on the Statutory
        Statements of Admitted Assets, Liabilities, and Capital and Surplus. Securities on loan remain on the Company's Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus, and interest and dividend income earned by the Company on
        loaned securities is recognized in Net investment income on the Statutory Statements of Operations.
Company policy requires a minimum of 102% of fair
        value of securities loaned under securities lending agreements to be maintained as collateral.
The
        Company's sources of cash used to return cash collateral is dependent upon the liquidity of current market conditions. The Company has policies in place to manage reinvested collateral at appropriate levels of liquidity.
The Company invests in low income housing tax credit
        (LIHTC) investments for tax benefits. In accordance with SSAP No. 93 –
Low Income Housing Tax Credit
        Property Investments
, the LIHTC investments are carried at cost and adjusted for amortization based on the proportion of
        total tax credits and other tax benefits expected to be received over the life of the investments. The Company records an asset for the full unfunded investment amount upon entering into a LIHTC agreement; amortization decreases the asset balance
        over time. A corresponding liability is recorded for the unfunded commitment balance beginning when the LIHTC investment is initially funded, which decreases as the Company provides capital to fund. The asset and liability are recorded in Other
        invested assets and Other liabilities, respectively, on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The tax benefit is recognized within Income tax expense within the Statutory Statements of Operations. The
        amortization of the investment is recorded as Net investment income and any impairments are included in Net realized capital gain (loss) within the Statutory Statements of Operations.
The Company invests in limited partnerships (LPs)
        which are recorded using the equity method in line with SSAP No. 48, Joint Ventures, Partnerships, and Limited Liability Companies. The assets are recorded in Other invested assets and Other liabilities, respectively, on the Statutory Statements of
        Admitted Assets, Liabilities, and Capital and Surplus. The Company recognizes income in Net investment income on the Statutory Statement of Operations for distributions deemed to be income distributions by the LP if the accumulated earnings balance
        is positive, and if it is zero, it reduces the book value. For distributions deemed to be a return of capital by the LP, the book value is reduced regardless of whether the undistributed accumulated earnings balance is positive.
Receivables and payables for securities are carried
        at fair value on the trade date and represent a timing difference on securities that are traded at the balance sheet date but not settled until subsequent to the balance sheet date. Receivables and payables for securities are included in Other
        invested assets and Other liabilities, respectively, on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
(k)    Derivatives
The Company utilizes derivatives within certain
        actively managed investment portfolios for hedging purposes.
Hedge Accounting
The Company elects hedge accounting under SSAP No.
        86 and SSAP No. 108 for certain qualifying derivative instruments. To qualify for hedge accounting, at inception, the Company formally documents the risk management objective and strategy for undertaking the hedging transaction. The documentation
        links a specific derivative to a specific asset or liability on the Statutory Statements of Assets, Liabilities, and Capital
Statutory Financial Statements as of December 31, 2023
Page 16 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
and Surplus, identifies how the derivative is
        expected to offset the exposure to changes in the hedged item's fair value or variability in cash flows attributable to the designated hedge risk, and the effectiveness testing methods to be used. Hedge effectiveness is formally assessed at
        inception and on a quarterly basis throughout the life of the designated hedging relationships.
Hedge effectiveness is assessed using qualitative
        and quantitative methods. Qualitative methods may include comparison of critical terms of the derivative to the hedged item. Quantitative methods include analysis of changes in fair value or cash flows associated with the hedge relationship. Hedge
        effectiveness may be measured using either the dollar offset method or regression analysis. The dollar offset method compares changes in fair value or cash flows of the hedging instrument with changes in the fair value or cash flows of the hedged
        item attributable to the hedged risk. Regression analysis is a statistical technique used to measure the relationships between the fair values or cash flows of a derivative and a hedged item and how each reacts to changes in the designated hedge
        risk (i.e., interest rates, foreign currency rates).
A derivative instrument is either classified as an
        effective hedge or an ineffective hedge. Entities must account for the derivative at fair value if deemed to be ineffective or becomes ineffective. For those derivatives qualifying as effective for hedge accounting under SSAP No. 86, the change in
        the carrying value or cash flow of the derivative shall be recorded consistently with the way that changes in the carrying value or cash flows of the hedged item are recorded. For those derivatives qualifying as effective for hedge accounting under
        SSAP No. 108, the derivative is carried at fair value.
Foreign Currency Swaps
The Company utilizes foreign currency swaps to hedge
        cash flows and applies hedge accounting. Specifically, the Company uses foreign currency swaps to hedge foreign currency and interest rate fluctuations on certain underlying foreign currency denominated fixed-maturity securities. The foreign
        currency swaps are reported at amortized cost from the date hedge accounting is designated and deemed to be effective, which is consistent with the accounting for the bonds that are the subject of the hedge accounting transactions.
Interest Rate Swaps on Variable
        Annuity Insurance Liabilities
The Company utilizes interest rate swaps (IRS) to hedge the interest rate risk on
        certain variable annuity
guarantee benefits. These are accounted for as a cash flow hedge under SSAP No. 86
        and a fair value hedge under SSAP No. 108.
Prior to January 1, 2020, the Company had IRS that hedge the interest rate risk on
        certain variable annuity guarantee benefits held at amortized cost in accordance with SSAP No. 86. The initial book value of the IRS represented the book value created from inception until the designation of hedge accounting. These IRS were held at
        amortized cost and changes were recognized to the extent they offset changes in the AG43 reserve for the hedged item due to interest rate movement. The initial book value and subsequent changes due to the hedged item or realized gains or losses
        recorded under hedge accounting (hedge adjustment) are amortized over the duration of the hedge program, approximated by AG43 standard scenario revenues.
Effective January 1, 2020, the Company de-designated its previous hedging
        relationship under SSAP No. 86 and simultaneously designated the hedging relationship described above under SSAP No. 108. The remaining balance of the SSAP No. 86 hedge adjustment is recorded within Other liabilities on the Statutory Statements of
        Admitted Assets, Liabilities, and Capital and Surplus, and will be amortized over the life of the former hedge program.
The table below represents the hedge adjustment
        balance under SSAP No. 86:
Statutory Financial Statements as of December 31, 2023
Page 17 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
2023
2022
Hedge adjustment balance
                - beginning of year
$
401
455
Amount amortized into earnings during
                the year
(49)
(54)
Hedge adjustment balance
                - end of year
$
352
401
Effective January 1, 2020, the Company designated
        the hedging relationship described above under SSAP No. 108. The hedged item consists of a portion of the Company's variable annuity block of business minimum benefit guarantees that are sensitive to interest rate movement. The hedged portion of
        the block is determined on a monthly basis based on the percentage of the economic liability being hedged. The related hedging instrument is a portfolio of interest rate swap derivatives which follows a dynamic hedging strategy. Changes in interest
        rates impact the present value of the future product cash flows.
The Company recognizes a net deferred asset or
        liability within Other assets or Other liabilities, respectively, on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus for fluctuations in fair value that do not offset the changes in the hedged liability. Beginning
        July 1, 2021, the Company elected to amortize the deferred balance that existed as of June 30, 2021 over five years, in accordance with SSAP No. 108, paragraph 14.c. Changes in the deferred balance after July 1, 2021 will be amortized over the
        timeframe required under SSAP No. 108, paragraph 14, which is the Macaulay duration of guarantee benefit cash flows, capped at 10 years.
The hedge strategy is compliant with VM-21 Clearly Defined Hedge Strategy (CDHS)
        requirements and meets all the criteria to be defined as an effective hedge relationship as required by SSAP No. 108. The Company entered into this hedging relationship effective January 1, 2020 and no changes in hedging strategy have occurred
        since inception. Hedge effectiveness is measured in accordance with SSAP No. 108 on a quarterly basis, both prospectively and retrospectively, and remains highly effective as of December 31, 2023.
In accordance with SSAP No. 108, an amount equal to the net deferred asset and
        deferred liability is allocated from Unassigned funds to Special surplus funds on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The following table shows the deferred activity for the years ended December 31,
        2023 and 2022.
2023
2022
Net deferred
                liability - beginning of year
$
300
$
1,437
Amortization
(219)
(269)
Additional
                amounts deferred
(68)
(868)
Net deferred liability - end of year
$
13
$
300
The net deferred balance will amortize over the next 10 years, as shown
        below:
Statutory Financial Statements as of December 31, 2023
Page 18 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
Amortization year
Deferred assets
Deferred liabilities
2024
$
(310)
$
528
2025
(310)
528
2026
(217)
282
2027
(124)
37
2028
(124)
37
2029
(123)
36
2030
(123)
36
2031
(123)
36
2032
(77)
27
2033
(22)
$
19
Total
$
(1,553)
$
1,566
The company did not have other changes related to open derivatives
        removed from SSAP No. 86 and captured in scope of SSAP No. 108 for the years ended December 31, 2023 and 2022. During the years ended December 31, 2023 and 2022, the fair value changes available for application under SSAP No. 108 was $(58) and
        $(1,712), respectively.
The Company did not have any hedging strategies identified as no
        longer highly effective and did not terminate any hedging strategies during the years ended December 31, 2023 and 2022.
Nonqualifying hedging
Futures and Options Contracts
The Company provides benefits through certain life
        and annuity products which are linked to the fluctuation of various market indices, and certain variable annuity contracts that provide minimum guaranteed benefits. The Company has analyzed the characteristics of these benefits and has entered into
        over-the-counter (OTC) option contracts, exchange-traded option (ETO) contracts, and exchange-traded futures contracts tied to an underlying index with similar characteristics with the objective to economically hedge these benefits. Management
        monitors in-force amounts as well as option and futures contract values to ensure satisfactory matching and to identify unsatisfactory mismatches. If actual persistency deviated, management would purchase or sell option and futures contracts as
        deemed appropriate or take other actions.
The OTC option contracts and ETO contracts are
        reported at fair value in Derivative assets and Derivative liabilities on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The fair value of the OTC options is derived internally and deemed by management to be
        reasonable via performing an IPV process. The process of deriving internal derivative prices requires the Company to calibrate Monte Carlo scenarios to actual market information. The calibrated scenarios are applied to derivative cash flow models
        to calculate fair value prices for the derivatives. The fair value of the ETO contacts is based on quoted market prices. Incremental gains and losses from expiring options are included in Net realized capital gain (loss) on the Statutory Statements
        of Operations. The liability for the related policyholder benefits is reported in Life policies and annuity contracts on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The unrealized gain or loss on open OTC
        option contracts is recognized as a direct adjustment to Unassigned surplus within the Statutory Statements of Capital and Surplus. Any unrealized gains or losses on open OTC option contracts are recognized as realized when the contracts mature
        (see Note 5 for further discussion).
Futures contracts do not require an initial cash
        outlay, and the Company has agreed to daily net settlement based on movements of the representative index. Therefore, no asset or liability is recorded as of the end of the reporting period. A derivative asset or liability and an offsetting
        variation margin payable or receivable is recorded in Derivative assets or Derivative liabilities in the Statutory Statements of Admitted
Statutory Financial Statements as of December 31, 2023
Page 19 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
Assets, Liabilities, and Capital and Surplus for the
        outstanding unpaid variation margin representing market movements on the last trading day of the year.
Gains and losses are not considered realized until
        the termination or expiration of the futures contract. Unrealized gains and losses on futures contracts are reflected in the Statutory Statements of Capital and Surplus in Unassigned surplus, within Change in unrealized capital gains (loss).
        Realized gains and losses on futures contracts are included in the Statutory Statements of Operations, Net realized capital gain (loss), net of taxes and interest maintenance reserve.
Interest Rate Swaps, Credit
        Default Swaps, Total Return Swaps, and To Be Announced Securities
The Company utilizes IRS, credit default swaps
        (CDS), total return swaps (TRS), and To Be Announced (TBA) securities to economically hedge market risks embedded in certain life and annuity products. The IRS, CDS, TRS and TBA securities are reported at fair value in Derivative assets or
        Derivative liabilities on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The fair value of the IRS, CDS, and TBA securities are derived using a third-party vendor software program and deemed by management to be
        reasonable. Centrally cleared IRS fair values are obtained from the exchange on which they are traded. The fair value of the TRS is based on counterparty pricing and deemed by management to be reasonable. Changes in unrealized gains and losses on
        the swaps are recorded as a direct adjustment to Unassigned surplus within the Statutory Statements of Capital and Surplus. Gains and losses on exchange cleared IRS are recorded as unrealized until the contracts mature or are disposed at which time
        they are recorded as realized, subject to offset by IMR.
(l)    Corporate-Owned Life Insurance
Corporate-owned life insurance (COLI) is recognized
        initially as the amount of premiums paid. Subsequent measurement of the contract is based upon the amount that could be realized assuming the surrender of an individual-life policy (or certificate in a group policy), otherwise known as the cash
        surrender value (CSV), in accordance with SSAP No. 21 –
Other Admitted Assets
(SSAP No. 21). Changes in CSV resulting from subsequent measurement of the contract are recognized as a component of Other income on the
        Statutory Statements of Operations. The Company's COLI policies are reported in Other assets on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
(m)    Borrowed Money
The Company is a member of the FHLB of Des Moines,
        primarily for the purpose of participating in the FHLB's mortgage collateralized loan advance program with short-term and long-term funding facilities. Members are required to purchase and hold a minimum amount of FHLB capital stock plus additional
        stock based on outstanding advances. Through its membership, the Company has issued debt to the FHLB in exchange for cash advances. It is part of the Company's strategy to utilize funds borrowed from the FHLB for operations and strategic
        initiatives. The Company's current borrowings are not subject to prepayment obligations.
Funds obtained from the FHLB and accrued interest
        are included within Borrowed money within the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus in accordance with SSAP No. 15 –
Debt and Holding Company Obligations
.
        The collateral pledged to FHLB is reported as admitted assets within the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus in accordance with admissibility testing under SSAP No. 30 –
Unaffiliated Common Stock
.
(n)    Income Taxes
The Company and its subsidiaries file a consolidated
        federal income tax return with AZOA and all of its wholly-owned subsidiaries. The consolidated tax allocation agreement stipulates that each company participating in the return will bear its share of the tax liability pursuant to certain tax
        allocation elections under the Internal Revenue Code (IRC) and its related regulations and reimbursement will be in accordance with an intercompany tax reimbursement arrangement. The Company, and its insurance subsidiaries, generally will be paid
        for the tax benefit of any of their tax attributes used by any member of the consolidated group.
Statutory Financial Statements as of December 31, 2023
Page 20 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
The Company provides for federal income taxes based
        on amounts the Company believes it ultimately will owe. Inherent in the provision for federal income taxes are estimates regarding the deductibility of certain items and the realization of certain tax credits. In the event the ultimate
        deductibility of certain items or the realization of certain tax credits differs from estimates, the Company may be required to significantly change the provision for federal income taxes recorded in the Statutory Statements of Admitted Assets,
        Liabilities, and Capital and Surplus. Any such change could significantly affect the amounts reported in the Statutory Statements of Operations. Management uses best estimates to establish reserves based on current facts and circumstances regarding
        tax exposure items where the ultimate deductibility is open to interpretation. Quarterly, management evaluates the appropriateness of such reserves based on any new developments specific to their fact patterns. Information considered includes
        results of completed tax examinations, Technical Advice Memorandums, and other rulings issued by the Internal Revenue Service or the tax courts.
The Company utilizes the asset and liability method
        of accounting for income taxes. DTAs and deferred tax liabilities (DTLs), net of the nonadmitted portion are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets
        and liabilities and their respective tax bases. Gross DTAs and DTLs are measured using enacted tax rates and are considered for admitted tax asset status according to the admissibility test as set forth by the NAIC. Changes in DTAs and DTLs,
        including changes attributable to changes in tax rates, are recognized as a component of Unassigned surplus on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
(o)
Separate Accounts
Separate account assets and liabilities are
        primarily funds held for the exclusive benefit of variable and variable-indexed annuity contract holders. Separate account assets are reported at fair value in accordance with SSAP No. 56 –
Separate Accounts
(SSAP No. 56), with
        the exception of certain bonds, mortgage loans, other invested assets, cash, cash equivalents, securities lending reinvested collateral assets and investment income due and accrued. Certain assets that are allocated to the index options for the
        Allianz Index Advantage Variable Annuity (VIA), as listed above, are carried at amortized cost in accordance with the product filing requirements in the state of Minnesota.
Amounts due from separate accounts primarily represent the difference between the
        surrender value of the contracts and the Separate account liability as disclosed on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. This receivable represents the surrender fee that would be paid to the Company
        upon the surrender of the policy or contract by the policyholder or contract holder as of December 31. Amounts charged to the contract holders for mortality and contract maintenance, and other administrative services fees are included in income
        within Fees from separate accounts on the Statutory Statements of Operations. These fees have been earned and assessed against contract holders on a daily or monthly basis throughout the contract period and are recognized as revenue when assessed
        and earned. Transfers to (from) separate accounts within the Statutory Statements of Operations primarily includes transfers for new premium and annuity considerations, benefit payments, surrender charge wear-off, realized and unrealized investment
        gains/losses, investment income, and other contractholder behavior.
(p)
Receivables
Receivable balances approximate estimated fair
        values. This is based on pertinent information available to management as of year-end, including the financial condition and creditworthiness of the parties underlying the receivables. Any balances outstanding more than 90 days are nonadmitted on
        the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
(q)    Reclassifications
In the year ended December 31, 2023 there was an
        amendment to a reinsurance treaty which converted ceded reserves from modco to funds withheld. This change resulted in the funds withheld reserve balance to be material enough to warrant its own line, Funds held under reinsurance treaties on the
        Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. Prior to this change, the funds withheld reserve balance was included in Other liabilities. The prior year balance was reclassified from Other liabilities to Funds held
Statutory Financial Statements as of December 31, 2023
Page 21 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
under reinsurance treaties on the Statutory
        Statement of Admitted Assets, Liabilities, and Capital and Surplus to conform to the current year presentation.
(3)
Accounting Changes and Corrections of Errors
Accounting Changes
Not applicable.
Recently Issued Accounting Standards – Adopted in
        2023
In March 2020, the NAIC adopted NS 2020-12,
        Reference Rate Reform, which provides optional guidance for a limited period of time to ease the potential burden on accounting for reference rate reform. The expedients outlined in the amendment are for modifications solely related to reference
        rate reform and optionally suspend assessments for re-measuring a contract. The Company adopted these amendments effective March 12, 2020. In August 2023, the NAIC adopted NS 2023-05, whereby the sunset date for relief afforded by NS 2020-12, was
        deferred until December 31, 2024. The Company has evaluated the impact of the new guidance and has identified financial assets which have terms related to reference rates that are expected to be discontinued. As of December 31, 2023, the Company
        has utilized the optional expedient to account for all modifications to financial assets occurring as a result of reference rate reform as a continuation of the existing financial asset. There was no impact on net income or surplus during the year
        ended December 31, 2023, as a result of adopting the revisions.
In
August 2023
,
the NAIC adopted INT 23-01 Negative IMR. The temporary relief, which is optional for all companies required to
        maintain an AVR and IMR, allows for those entities to admit a limited amount of a net negative IMR balance as an admitted asset on a reporting entity's balance sheet. The revisions were effective as of August 13, 2023, and will be automatically
        nullified on January 1, 2026. Although the Company currently has a net positive IMR balance, the Company has adopted this item for the purposes of December 31, 2023 reporting. There was no impact on net income or surplus during the year ended
        December 31, 2023, as a result of adopting the INT.
Recently Issued Accounting
        Standards – Adopted in 2022
Not applicable.
Statutory Financial Statements as of December 31, 2023
Page 22 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
Recently Issued Accounting
        Standards – Adopted in 2021
In July 2020, the NAIC adopted revisions to SSAP No.
        32R, Preferred Stock. The revisions update the definitions, measurement, and impairment guidance for various types of preferred stock and require perpetual preferred stock to be measured at fair value, not to exceed any currently effective call
        price, instead of at the lower of cost or fair value. The revisions were effective January 1, 2021. The implementation of these revisions on January 1, 2021 resulted in a pre-tax increase to surplus of $2.
In 2021, the NAIC extended the following
        interpretations (INT) in response to the COVID-19 pandemic:
•
INT 20-03, Troubled Debt Restructuring due to COVID-19. This INT followed the interagency COVID-19 guidance issued by
        federal and state prudential banking regulators (and concurred by the FASB) and the Coronavirus Aid, Relief, and Economic Security (CARES) Act. Specifically, a modification of a mortgage loan or bank loan terms did not result in troubled debt
        restructurings as long as the modification was in response to COVID-19, the borrower was current at the time of the modification, and the modification was short-term. In addition, insurers were not required to designate mortgage loans or bank loans
        with deferrals granted due to COVID-19 as past due or report them as nonaccrual loans. This INT was effective for the period beginning March 1, 2020 and originally expired on December 31, 2020. In January 2021, the provisions in this INT were
        extended updating the effective period to be the earlier of January 1, 2022 or the date that is 60 days after the date on which the national emergency declared by the President terminates. This INT did not impact the Company.
•
INT 20-07, Troubled Debt Restructuring of Certain Debt Investments Due to COVID-19. This INT provided temporary
        guidance by allowing practical expedients when assessing whether modifications made to debt securities (under SSAP 26R and 43R) due to COVID-19 are insignificant. Specifically, the guidance proposed restructurings in response to COVID-19 are
        considered to be insignificant if the restructuring resulted in a 10% or less shortfall amount in the contractual amount due and did not extend the maturity of the investment by more than 3 years. This INT was effective for the period beginning
        March 1, 2020 and originally expired on December 31, 2020. In January 2021, the provisions in this INT were extended updating the effective period to be the earlier of January 1, 2022 or the date that is 60 days after the date on which the national
        emergency declared by the President terminates. This INT did not impact the Company.
In November 2021, the NAIC adopted revisions to SSAP
        No. 43R, Loan Backed and Structured Securities. The revisions state that non-rated residual tranches currently classified as bonds should be reclassified to other invested assets, and held at lower of cost or market. The revisions are effective
        December 31, 2022, with early application permitted. The company has adopted these revisions, resulting in no change due to no non-rated residual tranches classified as bonds as of December 31, 2021. There was no impact on net income or surplus
        during the year-ended December 31, 2021, as a result of adopting the revisions.
Statutory Financial Statements as of December 31, 2023
Page 23 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
Recently Issued Accounting Standards – To Be Adopted
In August of 2023, the NAIC adopted revisions to
        SSAP No. 26R, SSAP No. 43R, and updated references for various SSAPs to accommodate the two newly revised and adopted standards. Both revised SSAPs as well as the updated references were adopted as part of SAPWG's Principles Based Bond Definition
        project, and represent the first step towards implementing the new bond definition. The revised standards will be effective starting January 1, 2025. The Company has begun assessing the impacts of the amendments on the financial statements in
        anticipation of the January 1, 2025 effective date.
In December 2023, the NAIC adopted revisions to the
        Annual Statement Instructions through Ref #2023-15: IMR/AVR Specific Allocations. The revisions clarify the treatment of realized gains or losses in the context of allocating those gains and losses to either AVR or IMR. While the amendment reflects
        a SAP Clarification, the amendment addresses a new concept in basing the allocation of realized gains or losses on an "Acute Credit Event." The amendment is effective beginning January 1, 2024, and the Company plans to adopt these revisions as of
        that date. As this amendment applies to future transactions, there will be no impact to net income or surplus upon adoption.
Corrections of Errors
The Company records corrections of errors in
        accordance with SSAP No. 3 –
Accounting Changes and Correction of Errors
(SSAP No. 3). SSAP No. 3 prescribes that the correction of errors in previously issued Statutory Financial Statements will be reported
        as an adjustment to capital and surplus in the period the error is detected. These errors are shown within Correction of errors, net of tax, on the Statutory Statements of Capital and Surplus.
During 2023, an error was identified related to the
        consistency of presenting internal exchanges between lines of business. These internal exchanges represent 1035 tax-free exchanges initiated by the policyholder to transition from an existing annuity contract to a new like kind annuity contract. On
        the Fixed Annuity line of business, the transaction is accounted for as a surrender within Surrenders on the Statement of Operations, and a subsequent application of premium on the new contract within Premiums and annuity considerations on the
        Statement of Operations. This methodology was not consistently applied to the Variable Annuity line of business, as the transaction was recorded net, with no financial statement impact. This error resulted in an equal and offsetting understatement
        of Premium and annuity consideration and Surrenders within the Statement of Operations for periods ended prior to January 1, 2023. Beginning January 1, 2023, the Company began recording the Variable Annuity transactions similarly to Fixed
        Annuities. There was no impact recorded as a correction of an error in the Statements of Capital and Surplus as surplus was correct as of December 31, 2022 due to the immateriality of the adjustment.
During 2023, an error was identified related to the
        Company's calculation of reserves for certain long-term care (LTC) products. Joint policies were incorrectly labeled within the LTC experience studies used by management to set morbidity-related assumptions for 2022 and 2023 unlocking. Had the
        correct experience studies been used when setting assumptions, management determined they would have set their best estimate morbidity-related assumptions differently for 2022. This error resulted in a $43 pre-tax decrease of Accident and health
        policies on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus and a $34 increase in after-tax surplus within the Statutory Statements of Capital and Surplus for periods ended prior to January 1, 2023.
During 2021, an error was identified related to the
        Company's calculation of scheduled payments for certain fixed-indexed annuity products. The model for policies that have elected the scheduled payment option always used an income period of 10 years. After payments are received, future benefits and
        therefore the remaining benefit period, should have reduced but did not. This resulted in the Company holding excess reserves after policyholders elected this option. The error resulted in a $50 pre-tax overstatement of policyholder liabilities for
        life policies and annuity contracts and a corresponding $40 after-tax understatement of total capital and surplus as of December 31, 2020. Policyholder liabilities for life policies and annuity contracts on the Company's financial statements were
        adjusted in 2021 to correct for the prior period impact.
During the year ended December 31, 2022 there were
        no corrections of errors recorded on the Statutory Statements of Capital and Surplus.
Statutory Financial Statements as of December 31, 2023
Page 24 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
(4)
Risk Disclosures
The following is a description of the significant
        risks facing the Company and how it attempts to mitigate those risks:
(a)
Credit Risk
Credit risk is the risk that issuers of fixed-income
        securities, borrowers of mortgages on commercial real estate, or other parties with whom the Company has transactions, such as reinsurers and derivative counterparties, default on their contractual obligations, resulting in unexpected credit
        losses.
The Company mitigates this risk by adhering to
        investment policies and limits that provide portfolio diversification on an asset class, asset quality, creditor, and geographical basis, and by complying with investment limitations from applicable state insurance laws and regulations. The Company
        considers all relevant objective information available in estimating the cash flows related to structured securities. The Company actively monitors and manages exposures, and determines whether any securities are impaired. The aggregate credit risk
        is influenced by management's risk/return preferences, the economic and credit environment, and the ability to manage this risk through liability portfolio management.
For derivative counterparties, the Company mitigates
        credit risk by tracking and limiting exposure to each counterparty through limits that are reported regularly and, once breached, restricts further trades; establishing relationships with counterparties rated BBB+ and higher; and monitoring the CDS
        of each counterparty as an early warning signal to cease trading when credit default swap spreads imply severe impairment in credit quality.
The Company executes Credit Support Annexes (CSA)
        with all active and new counterparties which further limits credit risk by requiring counterparties to post collateral to a segregated account to cover any counterparty exposure. Additionally most transactions are cleared through a clearinghouse
        thereby transferring counterparty risk from the bank to the clearinghouse that tends to have stronger credit. This often leads to increased collateralization and lower counterparty risk for the Company.
(b)    Credit Concentration Risk
Credit concentration risk is the risk of increased
        exposure to significant asset defaults (of a single security issuer); economic conditions (if business is concentrated in a certain industry sector or geographic area); or adverse regulatory or court decisions (if concentrated in a single
        jurisdiction) affecting credit.
The Company's Finance Committee, responsible for
        asset/liability management (ALM) issues, recommends an investment policy to the Company's Board of Directors (BOD) and approves the strategic asset allocation and accompanying investment mandates for an asset manager with respect to asset class.
        The investment policy and accompanying investment mandates specify asset allocation among major asset classes and the degree of asset manager flexibility for each asset class. The investment policy complies, at a minimum, with state statutes.
        Compliance with the policy is monitored by the Finance Committee who is responsible for implementing internal controls and procedures. Deviations from the policy are monitored and addressed. The Finance Committee and, subsequently, the BOD review
        the investment policy at least annually.
To further mitigate this risk, internal
        concentration limits based on credit rating and sector are established and are monitored regularly. Any ultimate obligor group exceeding these limits is placed on a restricted list to prevent further purchases, and the excess exposure may be
        actively sold down to comply with concentration limit guidelines. Any exceptions require Chief Risk Officer approval and monitoring by the Risk Committee. Further, the Company performs a quarterly concentration risk calculation to ensure compliance
        with the State of Minnesota insurance regulations.
(c)    Liquidity Risk
Liquidity risk is the risk that unexpected timing or
        amounts of cash needed will require liquidation of assets in a market that will result in a realized loss or an inability to sell certain classes of assets such that an insurer will be unable to meet its obligations and contractual guarantees.
        Liquidity risk also includes the risk that in the event of a company liquidity crisis, refinancing is only possible at higher interest rates. Liquidity risk can be
Statutory Financial Statements as of December 31, 2023
Page 25 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
affected by the maturity of liabilities, the
        presence of withdrawal penalties, the breadth of funding sources, and terms of funding sources. It can also be affected by counterparty collateral triggers as well as whether anticipated liquidity sources, such as credit agreements, are cancelable.
The Company manages liquidity within four specific
        domains: (1) monitoring product development, product management, business operations, and the investment portfolio; (2) setting ALM strategies; (3) managing the cash requirements stemming from the Company's derivative dynamic economic hedging
        activities; and (4) establishing liquidity facilities to provide additional liquidity. The Company has established liquidity risk limits, which are approved by the Company's Risk Committee, and the Company monitors its liquidity risk regularly. The
        Company also sets target levels for the liquid securities in its investment portfolio.
(d)    Interest Rate Risk
Interest rate risk is the risk that movements in
        interest rates or interest rate volatility will cause a decrease in the value of an insurer's assets relative to the value of its liabilities and/or an unfavorable change in prepayment activity resulting in compressed interest margins.
The Company has an ALM strategy to align cash flows
        and duration of the investment portfolio with policyholder liability cash flows and duration. The Company further limits interest rate risk on variable annuity guarantees through interest rate hedges. The Company monitors the economic and
        accounting impacts of interest rate sensitivities on assets and liabilities regularly.
(e)    Equity Market Risk
Equity market risk is the risk that movements in
        equity prices or equity volatility will cause a decrease in the value of an insurer's assets relative to the value of its liabilities.
The policy value of the fixed-indexed universal
        life, fixed-indexed annuity, and variable-indexed annuity products is generally linked to equity market indices. The Company economically hedges this exposure with derivatives.
Variable annuity products guarantee minimum payments
        regardless of market movements. The Company has adopted an economic hedging program to manage the equity risk of these products.
The Company monitors the impacts of equity
        sensitivities on assets and liabilities regularly.
Basis risk is the risk that variable annuity hedge
        asset values change unexpectedly relative to the value of the underlying separate account funds of the variable annuity contracts. Basis risk may arise from the Company's inability to directly hedge the underlying investment options of the variable
        annuity contracts. The Company regularly reviews and synchronizes fund mappings, product design features, hedge design, and manages funds line-up.
(f)    Operational Risk
Operational risk is the risk of loss resulting from
        inadequate or failed internal processes and systems, from human misbehavior or error, or from external events. Operational risk is comprised of the following seven risk categories: (1) external fraud; (2) internal fraud; (3) employment practices
        and workplace safety; (4) clients/third-party, products and business practices; (5) damage to physical assets; (6) business disruption and system failure; and (7) execution, delivery, and process management. Operational risk is comprehensively
        managed through a combination of core qualitative and quantitative activities.
The Operational Risk Management framework includes
        the following key activities: (1) an Operational Risk Capital Model covering all material types of operational risks, under which the Company quantifies and regularly monitors operational risk; (2) a loss data capture policy to create transparency
        and gather information about losses that meet a designated threshold, requiring business owners to identify and resolve the root cause of operational loss events; and (3) a bottom-up risk assessment process for significant operational risk
        scenarios to proactively manage significant operational risk scenarios throughout the organization.
Statutory Financial Statements as of December 31, 2023
Page 26 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
(g)    Regulatory Change Risk
Regulatory change risk is the risk that regulatory
        changes and imposed regulation may materially impact the Company's business model, sales levels, company financials and ability to effectively comply with regulations.
The Company actively monitors all regulatory changes
        and participates in national and international discussions relating to legal, regulatory, and accounting changes. The Company maintains active membership with various professional and industry trade organizations. A formal process exists to review,
        analyze, and implement new legislation as it is enacted.
(h)    Rating Agency Risk
Rating agency risk is the risk that rating agencies
        change their outlook or rating of the Company or a subsidiary of the Company. The rating agencies generally utilize proprietary capital adequacy models in the process of establishing ratings for the Company. The Company is at risk of changes in
        these models and the impact that changes in the underlying business that it is engaged in can have on such models. To mitigate this risk, the Company maintains regular communications with the rating agencies and evaluates the impact of significant
        transactions on such capital adequacy models and considers the same in the design of transactions to minimize the adverse impact of this risk. Rating agency capital is calculated and analyzed at least annually. Rating agency risk is also addressed
        in the TRA process and on an ad hoc basis as necessary.
(i)
Mortality/Longevity Risk
Mortality/longevity risk is the risk that mortality
        experience is different than the life expectancy assumptions used by the Company to price its products.
The Company mitigates mortality risk primarily
        through reinsurance, whereby the Company cedes a significant portion of its mortality risk to third parties. The Company also manages mortality risk through the underwriting process. Both mortality and longevity risks are managed through the review
        of life expectancy assumptions and experience in conjunction with active product management.
(j)    Lapse Risk
Lapse risk is the risk that actual lapse experience
        evolves differently than the assumptions used for pricing and valuation exercises leading to a significant loss in Company value and/or income.
The Company mitigates this risk by performing
        sensitivity analysis at the time of pricing to affect product design, adding Market Value Adjustments and surrender charges when appropriate, regular ALM analysis, and exercising management levers at issue, as well as post-issue as experience
        evolves. Policyholder experience is monitored regularly.
(k)    Cyber Security Risk
Cyber security risk is the risk of losses due to
        external and/or internal attacks impacting the confidentiality, integrity, and/or availability of key systems, data, and processes reliant on digital technology. The Company has implemented preventative, detective, response, and recovery measures
        including firewalls, intrusion detection and prevention, advanced malware detection, spyware and anti-virus software, email protection, network and laptop encryption, web content filtering, web application firewalls, and regular scanning of all
        servers and network devices to identify vulnerabilities. Controls are implemented to prevent and review unauthorized access.
(l)    Reinsurance Risk
Reinsurance risk is the risk that reinsurance
        companies default on their obligation where the Company has ceded a portion of its insurance risk. The Company uses reinsurance to limit its risk exposure to certain business lines and to enable better capital management.
Reinsurance contracts do not relieve the Company
        from its obligations to policyholders. Failure of reinsurers to honor their obligations could result in losses to the Company.
Statutory Financial Statements as of December 31, 2023
Page 27 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
The Company mitigates this risk by requiring certain
        counterparties to post collateral to cover the exposure and to meet thresholds related to the counterparty's credit rating, exposure, or other factors. For counterparties that are not initially required to post collateral, if the thresholds are not
        met by those counterparties, they are required to establish a trust or letter of credit backed by assets meeting certain quality criteria. All arrangements are regularly monitored to determine whether trusts or letters of credit are sufficient to
        support the ceded liabilities and that their terms are being met. In addition, the Company reviews the financial standings and ratings of its reinsurance counterparties and monitors concentrations of credit risk to minimize its exposure to
        significant losses from reinsurer insolvencies regularly.
(5)
Investments
(a)    Bonds, Other Assets Receiving Bond Treatment, and Stocks
At December 31, the amortized cost, gross unrealized gains, gross
        unrealized losses, and fair values of investments, excluding investments in affiliates, are shown below:
2023
Amortized cost
Gross unrealized gains
Gross unrealized losses
Fair value
Bonds:
U.S.
                government
$
5,218
37
474
4,781
Agencies not backed by the full faith and credit of the U.S. government
2
—
—
2
States and
                political subdivisions
6,028
92
410
5,710
Foreign
                governments
2,455
30
298
2,187
Corporate
                securities
71,359
740
6,260
65,839
Mortgage-backed

                securities
5,191
49
486
4,754
Collateralized

                debt obligations
12
6
—
18
Total bonds
90,265
954
7,928
83,291
Common stocks
309
22
8
323
Total
$
90,574
976
7,936
83,614
2022
Amortized cost
Gross unrealized gains
Gross unrealized losses
Fair value
Bonds:
U.S.
                government
$
5,492
2
535
4,959
Agencies not backed by the full faith and credit of the U.S. government
2
—
—
2
States and
                political subdivisions
6,768
76
600
6,244
Foreign
                governments
1,949
2
336
1,615
Corporate
                securities
69,765
315
9,191
60,889
Mortgage-backed

                securities
6,287
29
645
5,671
Collateralized

                debt obligations
12
8
—
20
Total bonds
90,275
432
11,307
79,400
Common stocks
260
8
17
251
Total
$
90,535
440
11,324
79,651
Statutory Financial Statements as of December 31, 2023
Page 28 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
At December 31, 2023, amortized cost differed from the carrying
        value of bonds on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus due to NAIC-6 rates bonds where the market value was lower than amortized cost. The total unrealized losses recorded by the Company for these bonds
        was $1 as of December 31, 2023 and $1 as of December 31, 2022.
The Company had NAIC-6 rated bonds with a statement
        value of $29 and $2 as of December 31, 2023 and 2022, respectively. There was no interest due on bonds in default, which was excluded from investment income due and accrued as of December 31, 2023 and 2022.
At December 31, 2023 and 2022, the Company had
        hybrid securities with a carrying value of $0 and $0, respectively.
As of December 31, 2023 and 2022, investments with a
        statement value of $31 and $32, respectively, were held on deposit with various insurance departments and in other trusts as required by statutory regulations.
The amortized cost and fair value of bonds and other
        assets receiving bond treatment reported in the statutory Annual Statement Schedule D Part 1A at December 31, 2023, by contractual maturity, are shown below:
Carrying
value
Fair value
Due in 1 year or less
$
2,099
$
2,088
Due after 1 year through
                5 years
10,139
9,866
Due after 5 years
                through 10 years
16,704
15,562
Due after 10 years
                through 20 years
26,912
25,675
Due after 20 years
27,668
23,932
No maturity date
1,540
1,395
Mortgage-backed and other structured securities
5,203
4,773
Total bonds and
                other assets receiving bond treatment
$
90,265
$
83,291
Expected maturities will differ from contractual
        maturities, because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.
Proceeds from sales of bonds includes sales,
        maturities, paydowns, and other redemptions of bonds and other assets receiving bond treatment. Proceeds from sales of bonds for the years ended December 31 are shown below:
2023
2022
2021
Proceeds from sales
$
14,591
19,619
30,577
Gross gains
111
251
1,313
Gross losses
487
475
101
Proceeds from sales of common stocks for the years
        ended December 31 are shown below:
2023
2022
2021
Proceeds from sales
$
144
98
241
Gross gains
5
4
11
Gross losses
2
1
—
Proceeds from sales of preferred stocks for the
        years ended December 31 are shown below:
2023
2022
2021
Proceeds from sales
$
—
—
40
Gross gains
—
—
1
Gross losses
—
—
—
Statutory Financial Statements as of December 31, 2023
Page 29 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
For the years ended December 31, 2023 and 2022,
        there were 72 and 174 CUSIPs sold, disposed, or otherwise redeemed as a result of a callable feature, respectively. The aggregate amount of investment income generated as a result of these transactions was $4 and $73 for 2023 and 2022,
        respectively.
The Company's bond portfolio includes
        mortgage-backed securities. Due to the high quality of these investments and the lack of subprime loans within the securities, the Company does not have a material exposure to subprime mortgages.
(b)    Unrealized Investment Losses
To determine whether or not declines in fair value
        are other than temporary, the Company performs a quarterly review of its entire combined investment portfolio, including investments held by subsidiaries, using quoted market prices by third-party sources. For further discussion, see Notes 2 and 6.
Unrealized losses and the related fair value of
        investments held by the Company for the years ended December 31 are shown below:
2023
12 months or less
Greater than 12 months
Total
Fair value
Unrealized losses
Fair value
Unrealized losses
Fair value
Unrealized losses
Bonds:
U.S.
                government
$
77
1
3,535
473
3,612
474
Agencies

                not backed by the full faith and credit of the U.S. government
—
—
2
—
2
—
Foreign
                government
165
5
1,453
293
1,618
298
States and
                political subdivisions
534
10
3,641
400
4,175
410
Corporate
                securities
4,334
144
43,962
6,116
48,296
6,260
Mortgage-backed

                securities
177
3
4,067
483
4,244
486
Total bonds
5,287
163
56,660
7,765
61,947
7,928
Common stock
1
—
39
8
40
8
Total
                temporarily impaired securities
$
5,288
163
56,699
7,773
61,987
7,936
2022
12 months or less
Greater than 12 months
Total
Fair value
Unrealized losses
Fair value
Unrealized losses
Fair value
Unrealized losses
Bonds:
U.S.
                government
$
3,023
319
744
216
3,767
535
Agencies

                not backed by the full faith and credit of the U.S. government
2
—
—
—
2
—
Foreign
                government
1,105
202
423
134
1,528
336
States and
                political subdivisions
4,770
574
49
26
4,819
600
Corporate
                securities
46,456
7,027
7,507
2,164
53,963
9,191
Mortgage-backed

                securities
4,912
524
512
121
5,424
645
Total bonds
60,268
8,646
9,235
2,661
69,503
11,307
Common stock
85
11
22
6
107
17
Total
                temporarily impaired securities
$
60,353
8,657
9,257
2,667
69,610
11,324
As of December 31, 2023 and 2022, the number of investment holdings
        that were in an unrealized loss position was 5,164 and 5,895, respectively, for bonds, and 24 and 30, respectively, for common stocks.
As of December 31, 2023 and 2022, of the total
        amount of unrealized losses, $7,766, or 97.9%, and $11,091, or 97.9%, respectively, are related to unrealized losses on investment grade securities. Investment grade is defined as a security having an NAIC SVO credit rating of 1 or 2. Unrealized
        losses on securities are principally related to changes in interest rates or changes in sector spreads from the date of purchase. As contractual payments continue to be met, management continues to expect all contractual cash flows to be received
        and does not consider these investments to be other-than-temporarily impaired.
Statutory Financial Statements as of December 31, 2023
Page 30 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
(c)    Realized Investment Gains (Losses)
Net realized capital gains (losses) for the years
        ended December 31 are shown below:
2023
2022
2021
Bonds
$
(449)
(308)
1,199
Stocks
3
3
11
Mortgage Loans
(46)
(46)
(8)
Real estate
—
1
—
Derivatives
(819)
(2,118)
1,883
Other
63
184
(39)
Total
                realized capital (losses) gains
(1,248)
(2,285)
3,046
Income tax benefit
                (expense) on net realized gains (losses)
102
43
(249)
Total
                realized capital (losses) gains, net of taxes
(1,146)
(2,242)
2,797
Net (losses) gains
                transferred to IMR, net of taxes
(349)
(256)
941
Net realized
                (losses) gains, net of taxes and IMR
$
(797)
(1,986)
1,856
(d)    Net Investment Income
Major categories of net investment income for the
        years ended December 31 are shown below:
2023
2022
2021
Interest:
Bonds
$
4,078
3,783
4,233
Mortgage
                loans on real estate
743
703
682
Policy loans
18
13
12
Cash, cash
                equivalents, and short-term investments
162
23
—
Dividends:
Stocks
13
10
13
Investment
                in subsidiaries
101
77
51
Rental income on real
                estate
21
21
20
Derivatives
(65)
19
37
Other
21
10
(92)
Gross
                investment income
5,092
4,659
4,956
Investment expenses
(304)
(155)
(137)
Net
                investment income before amortization of IMR
4,788
4,504
4,819
Amortization of IMR
34
40
47
Net
                investment income
$
4,822
4,544
4,866
Interest income due and
        accrued for the years ended December 31 was as follows:
2023
2022
Gross
$
1,471
1,273
Nonadmitted
—
—
Admitted
$
1,471
1,273
The Company had no
        aggregate deferred interest as of
December 31, 2023 and 2022.
Statutory Financial Statements as of December 31, 2023
Page 31 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
The Company had the
        following cumulative amounts of paid-in-kind (PIK) interest included in the current principal balance as of
December 31,
        2023 and 2022:
2023
2022
Cumulative amounts of
                PIK interest included in the current principal balance
$
10
—
(e)    Mortgage Loans on Real Estate
The Company's investment in mortgage loans on real
        estate includes CMLs and RMLs at December 31, 2023 and 2022.
At December 31, 2023 and 2022, the Company's CML
        portfolio includes concentrations exceeding 10% for the following states:
2023
2022
Concentration Amount
Concentration %
Concentration Amount
Concentration %
California
$
3,516
21.6
%
$
3,545
22.4
%
The maximum lending rates for CMLs made during 2023
        and 2022 were 9.1% and 6.6%, respectively. The minimum lending rates for CMLs made during 2023 and 2022 were 3.9% and 2.8%, respectively. The maximum percentage of any one loan to the value of security at the time of the loan extension exclusive of
        insured, guaranteed or purchased money mortgages was 109.7% and 76.5% during 2023 and 2022, respectively.
At December 31, 2023 and 2022, the Company's RML
        portfolio includes concentrations exceeding 10% for the following states:
2023
2022
Concentration Amount
Concentration %
Concentration Amount
Concentration %
California
$
541
29.5
%
$
546
29.2
%
New York
231
12.6
%
238
12.7
%
The maximum lending rates for RMLs made during 2023
        and 2022 was 14.0% and 12.0%, respectively. The minimum lending rates for RMLs made during 2023 and 2022 was 2.8% and 2.8%, respectively. The maximum percentage of any one loan to the value of security at the time of the loan extension exclusive of
        insured, guaranteed or purchased money mortgages for RMLs was 172.8% and 160.9% during 2023 and 2022, respectively.
As of December 31, 2023 and 2022, there were $2 and
        $0, respectively of taxes, assessments, or amounts advanced that were excluded from the mortgage loan investment total.
(1)    Age
        Analysis of Mortgage Loans
The following table presents an age analysis of the
        Company's mortgage loan investments as of December 31, 2023 and 2022 by type:
Statutory Financial Statements as of December 31, 2023
Page 32 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
2023
2022
Residential
Commercial
Residential
Commercial
Current
$
1,786
16,225
1,799
15,855
30-59 Days Past Due
—
—
27
—
60-89 Days Past Due
—
—
8
—
90-179 Days Past Due
18
—
16
—
180+ Days Past Due
30
56
23
—
Total
$
1,834
16,281
1,873
15,855
The Company had the following allowance for credit
        losses as of December 31:
2023
2022
Balance at beginning of
                period
$
—
—
Additions charged to operations
16
—
Direct
                write-downs charged against the allowances
—
—
Recoveries of amounts previously charged
                off
—
—
Balance at end
                of period
$
16
—
There were no mortgage loan investments greater than
        90 days past due and still accruing interest as of December 31, 2023 and 2022.
There were no mortgage loan investments for which
        interest was reduced as of December 31, 2023 and 2022.
As of December 31, 2023 and 2022 there were no RMLs
        in which the Company participated as a co-lender in a mortgage loan agreement. As of December 31, 2023 and 2022, for CML investments, the recorded investment for which the Company participated as a co-lender in a mortgage loan agreement was $2,338
        and $2,505, respectively.
(2) Impaired Mortgage Loans
For the years ended December 31, 2023, and 2022, the
        recorded investment in impaired CMLs was $56, and $69, respectively. The average recorded investment in impaired mortgage loans for the year ended December 31, 2023, and 2022 was $91 and $69, respectively. There was no related allowance for credit
        losses on these investments and the Company did not participate as a co-lender in the related mortgage loan agreement. The recorded investment in impaired CMLs in nonaccrual status was $56 and $0 for the years ended December 31, 2023 and 2022,
        respectively. There was no recorded investment in impaired RMLs for the years ended December 31, 2023, and 2022.
There was $7, $5 and $0 interest income recognized
        on impaired mortgage loans for the years ended December 31, 2023, 2022 and 2021, respectively. The Company recognizes interest income on its impaired mortgage loans upon receipt of payment.
As of December 31, 2023 and 2022, the Company
        derecognized mortgage loans as a result of foreclosure of $3 and $0, respectively.
(3) Credit Quality Indicators
The Company analyzes certain financing receivables
        for credit risk by using specific credit quality indicators. The Company has determined the loan-to-value ratio and the debt service coverage ratio are the most reliable indicators in analyzing the credit risk of its CML portfolio. The
        loan-to-value ratio is based on the Company's internal valuation methodologies, including discounted cash flow analysis and comparative sales, depending on the characteristics of the property being evaluated. The debt service coverage ratio
        analysis is normalized to reflect a 25 year amortization schedule.
Statutory Financial Statements as of December 31, 2023
Page 33 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
The credit quality of CMLs as of December 31 is
        shown below:
Debt Service Coverage Ratios
2023
Greater than 1.4x
1.2x – 1.4x
1.0x – 1.2x
Less than 1.0x
Total
Percent of Total
Loan-to-value ratios:
Less than 50%
$
6,071
274
278
171
6,794
41.7
%
50% – 60%
5,211
762
370
198
6,541
40.2
%
60% – 70%
1,953
325
114
148
2,540
15.6
%
70% – 80%
109
—
124
—
233
1.4
%
80% – 90%
—
—
50
—
50
0.3
%
90% – 100%
—
—
63
—
63
0.4
%
Greater than
                100%
—
—
60
—
60
0.4
%
Total
$
13,344
1,361
1,059
517
16,281
100.0
%
Debt Service Coverage Ratios
2022
Greater than 1.4x
1.2x – 1.4x
1.0x – 1.2x
Less than 1.0x
Total
Percent of Total
Loan-to-value ratios:
Less than 50%
$
4,784
82
376
676
5,918
37.3
%
50% – 60%
4,298
896
202
950
6,346
40.0
%
60% – 70%
2,201
571
223
464
3,459
21.8
%
70% – 80%
90
28
—
14
132
0.9
%
80% – 90%
—
—
—
—
—
—
%
90% – 100%
—
—
—
—
—
—
%
Greater than
                100%
—
—
—
—
—
—
%
Total
$
11,373
1,577
801
2,104
15,855
100.0
%
The Company has determined the delinquency status and the loan-to-value ratio are the
        most reliable indicators in analyzing the credit risk of its RML portfolio. The loan-to-value ratio is based on the Company's internal valuation methodologies, including discounted cash flow analysis and comparative sales, depending on the
        characteristics of the property being evaluated.
The loan-to-value ratios of RMLs as of December 31 are shown below:
2023
2022
Total
Percent of Total
Total
Percent of Total
Loan-to-value ratios:
Below 70%
$
659
35.9
%
$
604
32.2
%
70% to 79%
959
52.3
%
1,043
55.7
%
80% to 89%
197
10.7
%
208
11.1
%
90% to 95%
12
0.7
%
16
0.9
%
Above 95%
7
0.4
%
2
0.1
%
Total
$
1,834
100.0
%
$
1,873
100.0
%
Statutory Financial Statements as of December 31, 2023
Page 34 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
(4) Restructured Mortgage Loans
For impaired mortgage loans that are not in default,
        the Company recognizes and records interest income as earned. For impaired mortgage loans that are in default, the accrued interest on the loan is recorded as investment income due and accrued if deemed collectible by the Company. If an impaired
        mortgage loan in default has any investment income due and accrued which is 180 days past due and collectible, the investment income continues to accrue, but all interest related to the loan is reported as a nonadmitted asset. If accrued interest
        on an impaired mortgage loan in default is not collectible, the accrued interest is written off immediately and no further interest is accrued.
During 2023, two CMLs, which were both supported by a single property and with a
        total principal balance at time of restructure of $74, were modified in a way that met the definition of a troubled debt restructuring under SSAP No. 36. The modification of the CMLs resulted in a portion of the existing carrying values of the loan
        being written off, alongside a partial principal paydown on the remaining principal of the loans. Additionally, the loans were modified to reflect a new interest rate and a new term for the loan. Upon modification, the Company wrote off $19 of the
        existing loans' principal, while receiving an immediate principal paydown of $17, resulting in a single loan with a new principal balance of $38. These mortgage loans had not defaulted prior to being restructured.
The Company had the following recorded investments,
        realized capital losses, and contractual commitments related to restructured loans as of December 31:
2023
2022
The total recorded
                investment in restructured loans, as of year-end
$
38
—
The realized capital losses related to these
                loans
19
—
Total contractual
                commitments to extend credit to debtors owing receivables whose terms have been modified in troubled debt restructuring
—
—
(f)    Loan-Backed Securities
SSAP No. 43R requires the bifurcation of impairment
        losses on loan-backed or structured securities into interest and noninterest-related portions. The noninterest portion is the difference between the present value of cash flows expected to be collected from the security and the amortized cost basis
        of the security. The interest portion is the difference between the present value of cash flows expected to be collected from the security and its fair value at the balance sheet date.
The Company recognized loan-backed securities in
        OTTI for the years ended December 31, 2023, 2022, and 2021as follows:
OTTI Recognized in Loss
Year ended
Amortized Cost Basis
                Before OTTI
Interest
Non-Interest
Fair Value
OTTI

                Recognized:
December 31, 2023
Intent to sell
$
81
20
(1)
62
Annual aggregate
                total
$
81
20
(1)
62
December 31, 2022
Intent to sell
$
136
23
3
110
Annual aggregate
                total
$
136
23
3
110
December 31, 2021
Intent to sell
$
41
3
—
38
Annual aggregate
                total
$
41
3
—
38
Statutory Financial Statements as of December 31, 2023
Page 35 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
(g)    Derivatives and Hedging Instruments
The Company uses exchange-traded and OTC derivative
        instruments as a risk management strategy to economically hedge its exposure to various market risks associated with both its products and operations. Derivative assets and liabilities that do not qualify for hedge accounting treatment are recorded
        at fair value in the Statutory Financial Statements using valuation techniques further discussed in Note 6.
The Company does not have derivative contracts with
        financing premium as of December 31, 2023 and 2022.
Derivatives held by the Company are designated as
        either a fair value hedging instrument (fair value hedge), a cash flow hedging instrument (cash flow hedge), or a nonqualified hedging instrument (nonqualifying strategies).
(1) Cash Flow Hedges
Foreign Currency Swaps on Debt Securities
Foreign currency swaps have notional amounts and
        maturity dates equal and offsetting to the underlying debt securities and are determined to be highly effective as of December 31, 2023 and 2022.
(2) Fair Value Hedges
Interest Rate Swaps on Variable Annuity Insurance
        Liabilities
IRS traded after June 2013 are centrally cleared
        through an exchange. For IRS traded prior to June 2013 the IRS exposure was netted with other OTC derivatives upon settlement and were subject to the rules of the International Swaps and Derivatives Association, Inc. agreements. The fair values of
        the collateral posted for OTC and exchange traded derivatives are discussed in the derivative collateral management section below.
Prior to January 1, 2020, the Company designated
        hedge accounting for these IRS as a cash flow hedge under SSAP No. 86. The amounts previously recorded under the SSAP No. 86 relationship continue to be deferred and amortized over the life of the former hedge program. Effective January 1, 2020,
        the Company de-designated its previous hedging relationship under SSAP No. 86 and simultaneously designated the hedging relationship under SSAP No. 108 as a fair value hedge. The relationship is deemed to be highly effective at December 31, 2023.
(3) Nonqualifying Strategies
Futures and Options Contracts
OTC options and ETO are cleared through the Options
        Clearing Corporation, which operates under the jurisdiction of both the Securities and Exchange Commission (SEC) and the Commodities Futures Trading Commission. The fair values of the collateral posted for futures, OTC options, and ETO are
        discussed in the derivative collateral management section below.
Interest Rate Swaps
The Company can receive the fixed or variable rate;
        IRS are traded in varying maturities. The fair values of the collateral posted and variation margin for OTC and centrally cleared IRS are discussed in the derivative collateral management section below.
Credit Default Swaps
The CDS within the investment portfolios assume credit risk from a single entity or
        referenced index for the purpose of synthetically replicating investment transactions. The Company can be required to pay or be the net receiver on the contract depending on the net position. Credit events include bankruptcy of the reference and
        failure to pay by the reference. As the potential future exposure (PFE) is not determinable, the PFE is zero for the following reasons:
Statutory Financial Statements as of December 31, 2023
Page 36 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
(a) CDS are used to hedge indices allocated to products by policyholders.
        Fluctuations in value of the CDS are offset by credits provided to policyholders and results in a minimal amount of hedge inefficiency. It is impossible to determine the potential future amount of hedge inefficiency.
(b) The CDS used are exchange traded and daily
        variation margin is required to settle market movements. This minimizes counterparty credit risk. It also makes it impossible to determine what the potential future exposure related to counterparty risk, net of variation margin received could be.
The fair value of the collateral posted for
        centrally cleared CDS is discussed in the derivative collateral management section below.
Total Return Swaps
The Company engages in the use of OTC TRS,
which allow the parties to exchange cash flows based on a variable reference rate such as the three-month SOFR
        and the return of an underlying index.
The fair value of the collateral posted for OTC TRS is discussed in the derivative
        collateral management section below.
To Be Announced Securities
The Company uses OTC TBA forward contracts to gain
        exposure to the investment risk and return of mortgage-backed securities. Typically, the price is agreed upon at the time of the contract and payment for such a contract is made at a specified future date. The fair value of the collateral posted
        for OTC TBA securities is discussed in the derivative collateral management section below.
The following table presents a summary of the
        aggregate notional amounts and fair values of the Company's derivative instruments reported on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus as of December 31:
2023
2022
Gross Fair Value
Gross Fair Value
Notional
(1)
Assets
Liabilities
Notional
(1)
Assets
Liabilities
Cash flow hedging
                instruments
Foreign currency swaps
$
2,048
143
(9)
1,959
243
(1)
Total cash
                flow hedging instruments
$
143
(9)
243
(1)
Fair value hedging
                instruments
IRS
$
76,595
19
(206)
69,692
21
(211)
Total fair
                value hedging instruments
$
19
(206)
$
21
(211)
Nonqualifying hedging
                instruments
OTC options
$
51,904
2,895
(2,383)
43,355
670
(494)
ETO
16,191
76
(182)
1,185
25
(5)
TBA securities
457
1
(1)
1,071
1
(8)
IRS
425
6
(12)
3,762
7
(14)
Futures
18,988
—
—
8,405
—
—
TRS
4,953
138
(42)
3,459
6
(14)
Total
                nonqualifying hedging instruments
3,116
(2,620)
709
(535)
Total derivative
                instruments
$
3,278
(2,835)
973
(747)
(1)
Notional amounts are presented on an absolute basis.
Derivative Collateral Management
The Company manages derivative collateral for the
        general account and separate account combined. Additionally, said derivative collateral is managed separately between exchange-traded and OTC derivatives. The total collateral posted for exchange-traded derivatives at December 31, 2023 and 2022,
        had a fair value of $2,312 and $1,203, respectively, and is included in Bonds on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus and recorded at amortized cost. The Company retains ownership of the
Statutory Financial Statements as of December 31, 2023
Page 37 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
exchange-traded collateral, but the collateral
        resides in an account designated by the exchange. The collateral is subject to specific exchange rules regarding rehypothecation. The total collateral posted for OTC derivatives at December 31, 2023 and 2022, had a fair value of $44 and $25,
        respectively, and is included in Bonds on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus and recorded at amortized cost. The Company posts collateral to OTC counterparties based upon exposure amounts. The Company
        retains ownership of the OTC collateral.
(h)    Offsetting Assets and Liabilities
The Company elects to disclose derivative assets and
        liabilities eligible for offset under SSAP No. 64 –
Offsetting and Netting of Assets and Liabilities
on a gross basis on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus in accordance with the provisions
        set forth in SSAP No. 86. This treatment is consistent with the Company's historical reporting presentation.
(i)    Securities Lending
The Company loaned securities with a carrying value
        of $2,835 and $2,510 and a fair value of $2,612 and $2,102 as of December 31, 2023 and 2022, respectively. The aggregate amount of collateral received through securities lending at December 31 is as follows:
Fair Value
2023
2022
Cash
Open
2,600
1,892
30 days or
                less
—
—
31 to 60
                days
—
—
61 to 90
                days
—
—
Greater than
                90 days
—
—
Subtotal
2,600
1,892
Securities received
74
263
Total
                collateral received
$
2,674
2,155
The aggregate amount of cash collateral reinvested
        through securities lending at December 31 is as follows:
2023
2022
Amortized cost
Fair value
Amortized cost
Fair value
Open
—
—
—
—
30 days or less
1,373
1,374
969
969
31 to 60 days
439
439
338
338
61 to 90 days
11
11
26
26
91 to 120 days
195
195
117
117
121 to 180 days
189
189
156
156
181 to 365 days
393
393
286
287
Greater than 1 year
—
—
—
—
Total
                collateral reinvested
$
2,600
2,601
1,892
1,893
As of December 31, 2023 and 2022, the Company had no
        borrowings outstanding from collateral securities lending.
Reinvested collateral is recorded in Other invested
        assets on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. The amount and type of reinvested collateral at December 31 is as follows:
Statutory Financial Statements as of December 31, 2023
Page 38 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
2023
2022
Cash and cash
                equivalents
$
2,330
1,254
Short-term investments
270
638
Total
$
2,600
1,892
(j)     Reverse Repurchase
        Agreements
The Company participates in both bilateral and
        tri-party repos. As of December 31, 2023 and 2022, the Company did not sell or acquire any securities that resulted in default. The Company did not recognize a liability to return cash collateral as of December 31, 2023 and 2022.
All collateral received, as of December 31, 2023 and
        2022, were bonds with a designated NAIC-1 rating. Further information related to repos for the years ended December 31, 2023 and 2022, is as follows:
As of year end
2023
2022
1. Maturity
a. Overnight
$
1,405
460
b. 2 Days to 1 Week
—
—
2. Collateral Pledged and Securities Acquired Under Repo
a. Cash Collateral Pledged - Secured Borrowing
$
1,405
460
b. Fair Value of Securities Acquired Under Repo - Secured Borrowing
1,405
460
Maximum Amount
2023
2022
1. Maturity
a. Overnight
$
1,460
997
b. 2 Days to 1
                Week
15
303
c. Greater than
                one week and less than one month
100
2. Collateral
                Pledged and Securities Acquired Under Repo
a. Cash
                Collateral Pledged - Secured Borrowing
$
1,460
1,165
b. Fair Value
                of Securities Acquired Under Repo - Secured Borrowing
1,460
1,167
(k)    Non-insurance SCA
        Investments
A summary of the Company's SSAP No. 97 –
Investments in Subsidiary, Controlled and Affiliated Entities
, non-insurance SCA investments, including their respective asset value and NAIC filing information, as of December 31, 2023 is as follows:
SCA Name
Gross Asset
Non-Admitted Asset
Net Admitted Assets
NAIC Filing Date
NAIC Filing Type
NAIC Filing Balance
Re-submission Required?
AZLPF
$
704
—
704
7/25/2023
S1
721
N
Total
$
704
—
704
XXX
XXX
721
XXX
(l)    FHLB Agreements
The Company held Class A FHLB membership stock of
        $10 and $10 at December 31, 2023 and 2022 and activity stock of $113 and $80 at December 31, 2023 and 2022, respectively. The Company has a fully collateralized borrowings with a balance of $2,500 and $2,000 as of December 31, 2023 and 2022 which
        is recorded in Borrowed money on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. All FHLB transaction activity occurs in the Company's general account.
Securities collateral pledged to FHLB at December 31 is as follows:
Statutory Financial Statements as of December 31, 2023
Page 39 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
2023
2022
Carrying value
$
3,229
2,372
Fair value
2,500
2,308
The maximum of collateral pledged to FHLB during the year ended
        December 31 was as follows:
2023
2022
Carrying value
$
4,642
2,774
Fair value
4,087
2,928
As of December 31, 2023 and 2022, the Company had
        $2,500 and $2,000, respectively, in total borrowing capacity under its agreement with the FHLB. The maximum amount of aggregate borrowing from FHLB during the years ended December 31, 2023 and 2022 was $4,085 and $2,400, respectively. Borrowings
        are not subject to prepayment penalties. Outstanding borrowings as of December 31, 2023, were issued on various dates ranging from October 17, 2016 to September 30, 2023 and interest rates on those borrowings range from 0.2% to 6.2%. Interest paid
        on borrowings was $164 and $37 for the years ended December 31, 2023 and 2022, respectively.
(m)    Restricted Assets
As of December 31, 2023 and 2022, the Company had
        the following restricted assets, including assets pledged to others as collateral:
Gross Restricted
Percentage
Total general account
Total separate account
Total current year
Total prior year
Increase (decrease)
Total current year
                admitted restricted
Gross restricted to total assets
Admitted restricted to total admitted assets
Collateral held under
                security lending arrangements
$
2,674
760
3,434
3,334
100
3,434
1.5
%
1.5
%
FHLB capital stock
123
—
123
90
33
123
—
—
On deposit with states
4
—
4
4
—
4
—
—
On deposit with other
                regulatory bodies
27
—
27
27
—
27
—
—
Pledged as collateral to
                FHLB (including assets backing funding agreements)
3,229
—
3,229
2,372
857
3,229
1.8
1.8
Derivative collateral
2,640
—
2,640
1,553
1,087
2,640
1.5
1.5
Reinsurance assets
22,403
—
22,403
24,143
(1,740)
22,403
12.6
12.6
Total restricted assets
$
31,100
760
31,860
31,523
337
31,860
17.4
%
17.4
%
(n)    Low Income Housing Tax Credits
As of December 31, 2023 the Company had various
        LIHTC investments with a range of 2 to 14 remaining years of unexpired tax credits and no required holding period.
The amount of tax credits and other tax benefits
        recognized during the years ended December 31, 2023, 2022 and 2021 is $57, $52, and $44, respectively.
The balance of the investment recognized in the
        Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus for the years ended December 31, 2023 and 2022 is $394 and $448, respectively.
Additionally, the Company's LIHTC investments
        require a commitment of capital. The Company has open capital commitments of $117 and $207 at December 31, 2023 and 2022, respectively, which are recorded as an unfunded commitment liability in other liabilities. LIHTC commitments are considered an
        open capital commitment beginning when the Company formally commits to fund the LIHTC, but they are not recorded as an unfunded commitment asset and liability until the Company has begun funding the LIHTC.
Statutory Financial Statements as of December 31, 2023
Page 40 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
(o)    Joint
        Ventures
The Company has no
        investments in joint ventures, partnerships or limited liability companies that exceed 10% of its admitted assets.
The
        Company recognized impairments on joint ventures of $2 and $0 for the years ended December 31, 2023 and 2022, respectively.
(6)    Fair Value Measurements
SSAP No. 100R –
Fair Value
establishes a fair value hierarchy that prioritizes the inputs used in the valuation techniques to measure fair value.
Level 1 –     Unadjusted quoted
        prices for identical assets or liabilities in active markets that the Company has the ability to access at the measurement date.
Level 2 –     Valuations derived
        from techniques that utilize observable inputs, other than quoted prices included in Level 1, which are observable for the asset or liability either directly or indirectly, such as:
(a)    Quoted prices for similar assets or
        liabilities in active markets.
(b)    Quoted prices for identical or similar assets
        or liabilities in markets that are not active.
(c)    Inputs other than quoted prices that are
        observable.
(d)    Inputs that are derived
        principally from or corroborated by observable market data by correlation or other means.
Level 3 –     Valuations derived
        from techniques in which the significant inputs are unobservable. Level 3 fair values reflect the Company's own assumptions about the assumptions that market participants would use in pricing the asset or liability (including assumptions about
        risk).
The Company has analyzed the valuation techniques
        and related inputs, evaluated its assets and liabilities reported at fair value, and determined an appropriate fair value hierarchy level based upon trading activity and the observability of market inputs. Based on the results of this evaluation
        and investment class analysis, each financial asset and liability was classified into Level 1, 2, or 3.
The following presents the assets and liabilities
        measured at fair value on a recurring basis and their corresponding level in the fair value hierarchy at December 31:
2023
Level 1
Level 2
(a)
Level 3
Total
Assets
                at fair value:
Bonds
$
1
4
—
5
Common stocks
197
—
4
201
Derivative
                assets
76
3,064
137
3,277
Separate
                account assets
15,816
8,582
—
24,398
Other
                invested assets
—
—
242
242
Total assets
                reported at fair value
$
16,090
11,650
383
28,123
Liabilities

                at fair value:
Derivative
                liabilities
$
182
2,611
42
2,835
Separate
                account derivative liabilities
—
5,249
—
5,249
Total
                liabilities reported at fair value
$
182
7,860
42
8,084
(a)
The Company does not have any assets or liabilities measured at net asset value (NAV) that are included in Level 2 within this
                  table.
Statutory Financial Statements as of December 31, 2023
Page 41 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
2022
Level 1
Level 2
(a)
Level 3
Total
Assets
                at fair value:
Bonds
$
1
3
—
4
Common stocks
155
—
5
160
Derivative
                assets
25
1,065
6
1,096
Separate
                account assets
15,872
3,062
—
18,934
Total assets
                reported at fair value
$
16,053
4,130
11
20,194
Liabilities

                at fair value:
Derivative
                liabilities
$
5
741
14
760
Separate
                account derivative liabilities
—
2,940
—
2,940
Total
                liabilities reported at fair value
$
5
3,681
14
3,700
(a)
The Company does not have any assets or liabilities measured at NAV that are included in Level 2 within this table.
The following is a discussion of the methodologies used to
        determine fair values for the assets and liabilities listed in the above table. These fair values represent an exit price (i.e., what a buyer in the marketplace would pay for an asset in a current sale or charge to transfer a liability). The
        Company has not made changes to valuation techniques in 2023.
(a)    Valuation of Bonds and Unaffiliated Stock
The fair value of bonds is based on quoted market
        prices in active markets when available. Based on the market data, the securities are categorized into asset class, and based on the asset class of the security, appropriate pricing applications, models and related methodology, and standard inputs
        are utilized to determine what a buyer in the marketplace would pay for the security in a current sale. When quoted prices are not readily available or in an inactive market, standard inputs used in the valuation models, listed in approximate order
        of priority, include, but are not limited to, benchmark yields, reported trades, Municipal Securities Rulemaking Board reported trades, Nationally Recognized Municipal Securities Information Repository material event notices, broker-dealer quotes,
        issuer spreads, two-sided markets, benchmark securities, bids, offers, reference data, and industry and economic events. In some cases, including private placement securities and certain difficult-to-price securities, internal pricing models may be
        used that are based on market proxies. Internal pricing models based on market spread and U.S. Treasury rates are used to value private placement holdings. The primarily unobservable input used in the discounted cash flow models for states and
        political subdivisions, foreign government, and corporate bonds is a corporate index option adjusted spread (OAS). CDO and certain mortgage-backed securities are priced by a third-party vendor and the Company internally reviews the valuation for
        reasonableness. The Company does not have insight into the specific inputs; however, the key unobservable inputs would generally include default rates.
Generally, U.S. Treasury securities and
        exchange-traded stocks are included in Level 1. Most bonds for which prices are provided by third-party pricing sources are included in Level 2, because the inputs used are market observable. Bonds for which prices were obtained from broker quotes,
        certain bonds without active trading markets and private placement securities that are internally priced are included in Level 3.
The fair value of unaffiliated common stocks is
        based on quoted market prices in active markets when available and included in Level 1. When quoted prices are not readily available or in an inactive market, the Company arrives at fair value utilizing internal pricing models based on available
        market inputs or obtains valuations from third party brokers or investment managers. Such investments may be categorized in Level 2 or Level 3. The primary unobservable input used to value common stock are indicative quotes received from
        third-party vendors.
Statutory Financial Statements as of December 31, 2023
Page 42 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
(b)    Valuation of Derivatives
Active markets for OTC options do not exist. The
        fair value of OTC options is derived internally, by calculating their expected discounted cash flows, using a set of calibrated, risk-neutral stochastic scenarios, including a market data monitor, a market data model generator, a stochastic
        scenario calibrator, and the actual asset pricing calculator. The valuation results are reviewed by Management via the Pricing Committee. OTC options that are internally priced, foreign currency swaps, credit default swaps (CDS), To Be Announced
        (TBA) securities, and interest rate swaps (IRS) are included in Level 2, because they use market observable inputs. TRS are included in Level 3 because they use valuation techniques in which significant inputs are unobservable. The fair value of
        ETOs and futures are based on quoted market prices and are generally included in Level 1.
Certain derivatives are priced using external
        third-party vendors. The Company has controls in place to monitor the valuations of these derivatives. Using market observable inputs, IRS prices are derived from a third-party source and are independently recalculated internally and reviewed for
        reasonableness at the position level on a monthly basis. TRS prices are obtained from the respective counterparties. These prices are also internally recalculated and reviewed for reasonableness at the position level on a monthly basis. The Company
        does not have insight into the specific inputs used by third-party vendors; however, the key unobservable input would generally include the spread.
(c)    Valuation of Separate Account Assets and
        Separate Account Derivative Liabilities
Separate account assets and Separate account
        derivative liabilities, with the exception of certain bonds, mortgage loans, cash, cash equivalents, securities lending reinvested collateral assets and investment income due and accrued, are carried at fair value, which is based on the fair value
        of the underlying assets which are described throughout this note. Funds in the separate accounts are primarily invested in variable investment option funds with the following investment types: bond, domestic equity, international equity, or
        specialty. Variable investment option funds are included in Level 1 because their fair value is based on quoted prices in active, observable markets. The remaining investments are categorized similar to the investments held by the Company in the
        general account (e.g., if the separate account invested in bonds, short-term investments and derivatives, that portion could be classified within Level 2 or Level 3). Assets carried at amortized cost within the separate account have an amortized
        cost of $27,720 and $23,506 as of December 31, 2023 and 2022, respectively, and a fair value of $24,877 and $20,008 as of December 31, 2023 and 2022, respectively. Separate account assets carried at amortized cost are included in the table in
        section 6(h) below.
(d)    Level 3 Rollforward
The following table provides a reconciliation of the
        beginning and ending balances for the Company's Level 3 assets and liabilities measured at fair value on a recurring basis:
January 1, 2023
Transfers into
Level 3
Transfers out
of Level 3
Total gains
and (losses)
included in
Net Income
Total gains
and (losses)
included in
Surplus
Purchases, issuances, sales and settlements
December 31, 2023
Common stocks
$
5
—
—
—
(1)
—
4
TRS assets
6
—
—
316
131
(316)
137
Other invested assets
—
242
—
—
—
—
242
Total Level 3
                Assets
$
11
242
—
316
130
(316)
383
TRS liabilities
$
(14)
—
—
(375)
(28)
375
(42)
Total Level 3
                Liabilities
$
(14)
—
—
(375)
(28)
375
(42)
Statutory Financial Statements as of December 31, 2023
Page 43 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
January 1, 2022
Transfers into
Level 3
Transfers out
of Level 3
Total gains
and (losses)
included in
Net Income
Total gains
and (losses)
included in
Surplus
Purchases, issuances, sales and settlements
December 31, 2022
Preferred stocks
$
—
—
—
—
—
—
—
Common stocks
—
—
—
—
(2)
7
5
TRS assets
—
—
—
419
6
(419)
6
Total Level 3
                Assets
$
—
—
—
419
4
(412)
11
TRS liabilities
$
(15)
—
—
(871)
1
871
(14)
Total Level 3
                Liabilities
$
(15)
—
—
(871)
1
871
(14)
(e)    Transfers
The Company reviews its fair value hierarchy
        classifications quarterly. Transfers between levels occur when there are changes in the observability of inputs and market activity.
All transfers into Level 3 were a result of
        observable inputs no longer being considered reliable or could no longer be validated against an alternative source. The transfers out of Level 3 were a result of securities no longer being carried at fair value as a result of new availability of
        reliable observable inputs or the ability to validate market price of the security against an alternative source.
(f)    Sensitivity of Fair Value Measurements to
        Changes in Unobservable Inputs
Bonds:
The primary unobservable input used in the discounted cash flow models for states and political subdivisions, foreign government, and
        corporate bonds is a corporate index option adjusted spread (OAS). The corporate index OAS used is based on a security's sector, rating, and average life. A significant increase (decrease) of the corporate index OAS in isolation could result in a
        decrease (increase) in fair value.
CDO and certain mortgage-backed securities are
        priced by a third-party vendor and the Company internally reviews the valuation for reasonableness. The Company does not have insight into the specific inputs used; however, the key unobservable inputs would generally include default rates. A
        significant increase (decrease) in default rates in isolation could result in an decrease (increase) in fair value.
Common stocks:
The primary unobservable inputs used to value common stock are indicative quotes received from third-party vendors and subsequent
        offering prices. A significant increase (decrease) in either the indicative quotes or offering prices in isolation could result in an increase (decrease) in fair value.
Derivative assets and liabilities:
The TRS are priced by a third-party vendor and the Company internally reviews the valuation for reasonableness. The key unobservable
        input would generally include the spread. For a long position, a significant increase (decrease) in the spread used in the fair value of the TRS in isolation could result in higher (lower) fair value. For a short position, a significant increase
        (decrease) in the spread used in the fair value of the TRS in isolation could result in lower (higher) fair value.
(g)    Estimates
The Company has been able to estimate the fair value
        of all financial assets and liabilities.
Statutory Financial Statements as of December 31, 2023
Page 44 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
(h)    Aggregate Fair Value of Financial Instruments
The following tables present the carrying amounts
        and fair values of all financial instruments at December 31
(b)
:
2023
Fair Value
Aggregate Fair Value
Admitted Assets/
Carrying Value
Level 1
Level 2
Level 3
Financial

                Assets
Bonds
$
82,223
89,197
5,412
52,057
24,754
Common
                stocks, unaffiliated
323
323
197
—
126
Mortgage
                loans on real estate
16,664
18,115
—
—
16,664
Cash
                equivalents
3,176
3,176
1,485
1,405
286
Short-term
                investments
612
613
595
5
12
Derivative
                assets
3,278
3,278
77
3,064
137
Securities
                lending reinvested collateral assets
2,601
2,600
—
2,601
—
Other
                invested assets
1,886
1,905
—
131
1,755
COLI
750
750
—
750
—
Separate
                account assets
49,938
52,781
16,397
28,000
5,541
Financial

                Liabilities
Deposit-type
                contracts
$
3,913
3,842
—
—
3,913
Other
                investment contracts
82,589
80,474
—
—
82,589
Borrowed
                money
2,569
2,515
—
—
2,569
Derivative
                liabilities
2,835
2,835
182
2,611
42
Payable for
                securities lending
2,600
2,600
—
2,600
—
Payable for
                securities
117
117
—
—
117
Separate
                account liabilities
49,938
52,781
16,397
28,000
5,541
(b)
The Company does not have any assets or liabilities measured at NAV that are included in Level 2 in this table. In addition,
                  the Company has no assets or liabilities for which it is not practicable to measure at fair value.
Statutory Financial Statements as of December 31, 2023
Page 45 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
2022
Fair Value
Aggregate Fair Value
Admitted Assets/
                Carrying Value
Level 1
Level 2
Level 3
Financial

                Assets
Bonds
$
78,268
89,143
4,708
55,058
18,502
Common
                stocks, unaffiliated
251
251
156
—
95
Mortgage
                loans on real estate
16,020
17,728
—
—
16,020
Cash
                equivalents
1,489
1,488
1,029
460
—
Short-term
                investments
783
783
778
—
5
Derivative
                assets
1,096
973
25
1,065
6
Securities
                lending reinvested collateral assets
1,892
1,892
—
1,892
—
Other
                invested assets
1,408
1,439
—
94
1,314
COLI
692
692
—
692
—
Separate
                account assets
40,004
43,502
16,406
21,711
1,887
Financial

                Liabilities
Deposit-type
                contracts
$
4,122
4,233
—
—
4,122
Other
                investment contracts
96,854
88,919
—
—
96,854
Borrowed
                money
1,999
2,010
—
—
1,999
Derivative
                liabilities
760
747
5
741
14
Payable for
                securities lending
1,892
1,892
—
1,892
—
Payable for
                securities
207
207
—
—
207
Separate
                account liabilities
40,004
43,502
16,406
21,711
1,887
(b)
The Company does not have any assets or liabilities measured at NAV that are included in Level 2 in this table. In addition,
                  the Company has no assets or liabilities for which it is not practicable to measure at fair value.
A description of the Company's valuation techniques for financial
        instruments not reported at fair value and categorized within the fair value hierarchy is shown below:
Valuation of FHLB Stock
FHLB stock, included in Common stocks, is not traded
        in an active market and is categorized in Level 3. FHLB stock is carried at cost, which approximates fair value unless it is impaired, based on provisions within the Company's FHLB agreement that allow for return of outstanding shares of FHLB stock
        at the Company's cost basis.
Valuation of Mortgage Loans on Real Estate
The fair value of commercial mortgage loans on real
        estate is calculated by analyzing individual loans and assigning ratings to each loan based on a combination of loan-to-value ratios and debt service coverage ratios. Fair value is determined based on these factors as well as the contractual cash
        flows of each loan and the current market interest rates for similar loans. The fair value of residential mortgage loans on real estate is calculated by discounting estimated cash flows, with discount rates based on current market conditions.
Statutory Financial Statements as of December 31, 2023
Page 46 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
Valuation of Cash Equivalents
Cash equivalents are comprised of money market
        mutual funds, cash equivalent bonds, and reverse repurchase agreements. The fair value of money market mutual funds and cash equivalent bonds are based on quoted market prices in active markets and included in Level 1. Reverse repurchase prices are
        provided by third-party pricing sources and included in Level 2, because the inputs used to determine fair value are market observable.
Valuation of Short-term Investments
Short-term investments are comprised of bonds due in
        one year or less at original purchase. Due to the short-term nature of these investments, the carrying value is deemed to approximate fair value. The fair value leveling of short-term investments is determined similarly as bonds as discussed above.
Valuation of Securities Lending Reinvested Collateral Assets
Collateral held from securities lending agreements
        is primarily comprised of short-term and long-term highly liquid fixed-maturity securities. Fair values are determined and classified within the fair value hierarchy in a manner consistent with the method utilized to determine the fair value of
        similar securities (fixed-income securities, equity securities, cash and cash equivalents) held within the Company's general account investment portfolio.
Valuation of Other Invested Assets
Other invested assets include surplus notes,
        residuals on asset-backed securities, LIHTC investments, limited partnership investments, loans to affiliates, and restricted stock unit (RSU) assets.
◦
Surplus notes and residuals on asset-backed securities for which prices are provided by third-party pricing sources
        using observable inputs are included in Level 2. Prices provided by third-party pricing sources that do not have observable market data or are determined internally are included in Level 3. Residuals are carried at the lower of amortized cost or
        market value.
◦
LIHTC investments (including the unfunded commitment asset) fair value is set equal to carrying value, as there is
        no observable market data on which to calculate fair value. Due to the use of unobservable inputs, they are categorized as Level 3.
◦
Limited partnership investments are recorded using the equity method in line with SSAP No. 48, Joint Ventures,
        Partnerships, and Limited Liability Companies, using unobservable inputs. Due to the use of unobservable inputs, they are categorized as Level 3. The Company believes the equity method approximates fair value.
◦
Loans to affiliates are carried at cost. Due to the lack of an active market, the current carrying value is the only
        market price at which the transaction could be settled, and therefore the Company believes cost approximates fair value. Due to the use of unobservable inputs, they are categorized as Level 3.
◦
RSU assets are tied to the share price of Allianz SE stock but does not participate in an active market; given this,
        it is categorized as Level 2.
Valuation of COLI
The COLI policies held by the Company are carried at their respective cash surrender
        values, which approximates fair value. The cash surrender value of the policies is based on the value of the underlying assets, which are regularly priced utilizing observable inputs. The COLI asset is included within Other assets on the Statutory
        Statements of Admitted Assets, Liabilities, and Capital and Surplus. At December 31, 2023 and 2022, the cash surrender value in an investment vehicle is $750 and $692, respectively, and is allocated into the following categories based on primary
        underlying investment characteristics:
Statutory Financial Statements as of December 31, 2023
Page 47 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
2023
2022
Bonds
45.0
%
47.0
%
Stocks
19.0
%
17.0
%
Other Invested Assets
36.0
%
36.0
%
Valuation of Deposit-Type Contracts
Fair values of deposit-type contracts are based on
        discounted cash flows using internal inputs, including the discount rate and consideration of the Company's own credit standing and a risk margin for actuarial inputs.
Valuation of Other Investment Contracts
Other investment contracts are included within Life
        policies and annuity contracts within the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. Other investment contracts include certain reserves related to deferred annuities and other payout annuities that may include
        life contingencies, but do not have significant mortality risk due to substantial periods certain. Fair values are based on discounted cash flows using internal inputs, including the discount rate and consideration of the Company's own credit
        standing and a risk margin for market inputs.
Valuation of Borrowed Money
The fair value of the FHLB borrowing is calculated
        on a discounted cash flow basis. Each position includes a monthly interest rate, a maturity payment amount, and a maturity date. The interest and maturity payments are projected as of the valuation date, and the expected cash flows are discounted
        using the valuation date swap curve.
Valuation of Payable for Securities Lending
Securities lending payable is set equal the to the
        cash collateral received. Due to the short-term nature of these loans, the carrying value is deemed to approximate fair value.
Valuation of Payable for Securities
Included in Payable for securities is the LIHTC
        investments unfunded commitment liability. As there is no observable market data on which to calculate fair value of the LIHTC investment unfunded commitment asset and liability, fair value is set equal to carrying value, and the balance is
        categorized as Level 3.
Valuation of Separate Account Liabilities
The fair value of separate account liabilities
        approximates the fair value of separate account assets.
(7)    Mortgage Notes Payable
In 2004, the Company obtained an $80 mortgage loan
        from an unrelated third-party for the Company's headquarters. In 2005, the Company agreed to enter into a separate loan agreement with the same counterparty in conjunction with the construction of an addition to the Company's headquarters of $65.
        This loan was funded in 2006 and combined with the existing mortgage. As of December 31, 2023 and 2022, the combined loan had a balance of $8 and $20, respectively, and is reported within Real estate on the Statutory Statements of Admitted Assets,
        Liabilities, and Capital and Surplus. This 20 year, fully amortizing loan has an interest rate of 5.52%, with a maturity date of August 1, 2024. The level principal and interest payments are made monthly. The loan allows for prepayment; however, it
        is accompanied by a make-whole provision.
Interest expense for all loans is $1, $1, and $2, in
        2023, 2022, and 2021, respectively, and is presented in Net investment income on the Statutory Statements of Operations.
Statutory Financial Statements as of December 31, 2023
Page 48 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
The future principal payments required under the
        loan are as follows:
2024
$
8
2025
—
2026
—
2027
—
2028
—
Thereafter
—
Total
$
8
Statutory Financial Statements as of December 31, 2023
Page 49 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
(8)    Electronic Data Processing Equipment and Software (EDP)
EDP at December 31 and the changes in the balance for the years then
        ended are as follows:
2023
2022
Amortization:
Software
                amortization
20
16
Net EDP balance, by
                major classes of assets:
Software
67
63
Net EDP balance
67
63
Nonadmitted
(67)
(63)
Net admitted
                EDP balance
$
—
—
The Company has a gross EDP asset of $71 and $67 and
        accumulated depreciation and amortization of $(4) and $(4) at December 31, 2023 and 2022, respectively. Servers, computers and peripherals are depreciated over the lesser of their useful life or three years and the net balance is nonadmitted.
        Software is amortized over the lesser of its useful life or five years. Nonoperating software is nonadmitted and operating software is admitted to the extent it meets the criteria defined in SSAP No. 16R - Electronic Data Processing Equipment and
        Software.
(9)    Income Taxes
(a)    Deferred Tax Assets and Liabilities
The components of the net DTA or net DTL are as follows:
December 31, 2023
Ordinary
Capital
Total
Total gross deferred tax assets
$
1,065
69
1,134
Statutory valuation allowance adjustments
—
—
—
Adjusted gross deferred tax assets
1,065
69
1,134
Deferred tax assets nonadmitted
(196)
—
(196)
Subtotal net admitted deferred tax assets
869
69
938
Deferred tax liabilities
(371)
(3)
(374)
Net admitted deferred tax assets (liabilities)
$
498
66
564
December 31, 2022
Ordinary
Capital
Total
Total gross deferred tax assets
$
898
58
956
Statutory valuation allowance adjustments
—
—
—
Adjusted gross deferred tax assets
898
58
956
Deferred tax assets nonadmitted
(108)
—
(108)
Subtotal net admitted deferred tax assets
790
58
848
Deferred tax liabilities
(448)
(21)
(469)
Net admitted deferred tax assets (liabilities)
$
342
37
379
Statutory Financial Statements as of December 31, 2023
Page 50 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
Change
Ordinary
Capital
Total
Total gross deferred tax assets
$
166
11
177
Statutory valuation allowance adjustments
—
—
—
Adjusted gross deferred tax assets
166
11
177
Deferred tax assets nonadmitted
(88)
—
(88)
Subtotal net admitted deferred tax assets
78
11
89
Deferred tax liabilities
77
17
94
Net admitted deferred tax assets (liabilities)
$
155
28
183
The amount of admitted adjusted gross DTAs allowed under each component of SSAP
        No. 101 –
Income Taxes
(SSAP No. 101) as of December 31 are as follows:
December 31, 2023
Ordinary
Capital
Total
Federal income taxes paid
                in prior years recoverable through loss carrybacks (11.a)
$
—
69
69
Adjusted gross DTAs expected to be realized after application of the threshold
                  limitations
—
—
—
Lesser of 11.b.i or 11.b.ii:
—
—
—
Adjusted gross DTAs expected to be realized following the balance sheet date
                  (11.b.i.)
498
—
498
Adjusted gross DTAs allowed per limitation threshold (11.b.ii)
N/A
N/A
971
Lesser of 11.b.i or 11.b.ii
498
—
498
Adjusted gross DTAs offset by gross DTLs (11.c)
371
—
371
Deferred tax assets admitted
$
869
69
938
December 31, 2022
Ordinary
Capital
Total
Federal income taxes paid
                in prior years recoverable through loss carrybacks (11.a)
$
—
58
58
Adjusted gross DTAs expected to be realized after application of the threshold
                  limitations
—
—
—
Lesser of 11.b.i or 11.b.ii:
—
—
—
Adjusted gross DTAs expected to be realized following the balance sheet date
                  (11.b.i.)
342
—
342
Adjusted gross DTAs allowed per limitation threshold (11.b.ii)
N/A
N/A
920
Lesser of 11.b.i or 11.b.ii
342
—
342
Adjusted gross DTAs offset by gross DTLs (11.c)
448
—
448
Deferred tax assets admitted
$
790
58
848
Statutory Financial Statements as of December 31, 2023
Page 51 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
Change
Ordinary
Capital
Total
Federal income taxes paid
                in prior years recoverable through loss carrybacks (11.a)
$
—
11
11
Adjusted gross DTAs expected to be realized after application of the threshold
                  limitations
—
—
—
Lesser of 11.b.i or 11.b.ii:
—
—
—
Adjusted gross DTAs expected to be realized following the balance sheet date
                  (11.b.i.)
156
—
156
Adjusted gross DTAs allowed per limitation threshold (11.b.ii)
N/A
N/A
50
Lesser of 11.b.i or 11.b.ii
156
—
156
Adjusted gross DTAs offset by gross DTLs (11.c)
(77)
—
(77)
Deferred tax assets admitted
$
79
11
90
Ratios used for threshold limitation as of December 31 are as follows:
December 31
2023
2022
Change
Ratio percentage used to
                determine recovery period and threshold limitation amount
645
%
650
%
(5)
%
Amount of adjusted
                capital and surplus used to determine recovery period threshold limitation
$
6,470
6,136
334
The Company did not use tax planning strategies on the determination of
        net admitted adjusted gross DTAs.
The Company's tax planning strategies do not include the use of reinsurance.
(b)    Unrecognized Deferred Tax Liabilities
There are no temporary differences for which DTLs are not recognized.
(c)    Current and Deferred Income Taxes
The significant components of income taxes incurred
        (i.e. Current income tax expense) include:
December 31
2023-2022
                Change
2022-2021
                Change
2023
2022
2021
Current year federal
                tax expense (benefit) - ordinary income
$
574
(2)
1,091
576
(1,093)
Current year foreign
                tax expense (benefit) - ordinary income
—
—
—
—
—
Subtotal
574
(2)
1,091
576
(1,093)
Current year tax
                expense - net realized capital gains (losses)
(102)
(43)
249
(59)
(292)
Federal and foreign
                income taxes incurred
$
472
(45)
1,340
517
(1,385)
Statutory Financial Statements as of December 31, 2023
Page 52 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
DTAs and DTLs consist of the following major
        components:
December 31
Deferred tax assets
2023
2022
Change
Ordinary:
Unrealized
                losses
$
59
3
56
Deferred
                acquisition costs
246
213
33
Expense
                accruals
79
66
13
Policyholder
                reserves
640
518
122
VM-21
                reserves
24
73
(49)
Foreign tax
                credit carryforward
—
5
(5)
Nonadmitted
                assets
17
20
(3)
Subtotal
1,065
898
167
Statutory
                valuation allowance adjustment
—
—
—
Nonadmitted
                ordinary deferred tax assets
(196)
(108)
(88)
Admitted
                ordinary tax assets
869
790
79
Capital:
Impaired
                assets
65
56
9
Unrealized
                losses
4
2
1
Subtotal
69
58
10
Statutory
                valuation allowance adjustment
—
—
—
Nonadmitted
                capital deferred tax assets
—
—
—
Admitted capital
                deferred tax assets
69
58
10
Admitted
                deferred tax assets
$
938
848
89
December 31
Deferred tax
                liabilities
2023
2022
Change
Ordinary:
Investments
$
(64)
(61)
(3)
Fixed assets
(4)
(4)
—
Policyholder
                reserves
(182)
(275)
93
Software
                capitalization
(6)
(11)
5
Unrealized
                gains
(115)
(97)
(18)
Other
—
—
—
Subtotal
(371)
(448)
77
Capital:
Unrealized
                gains
(3)
(21)
18
Subtotal
(3)
(21)
18
Deferred tax liabilities
$
(374)
(469)
95
Net deferred tax
                assets (liabilities)
$
564
379
185
The realization of the DTAs is dependent upon the Company's ability
        to generate sufficient taxable income in future periods. Based on historical results and the prospects for future current operations, management anticipates that it is more likely than not that future taxable income will be sufficient for the
        realization of the remaining DTAs.
The Inflation Reduction Act was enacted on August
        16, 2022. The Company has determined as of December 31, 2023 that it is an applicable corporation with respect to the Corporate Alternative Minimum Tax ("CAMT"), but that it will not incur a CAMT liability in 2023. The financial statements,
        therefore, do not include any impact related to CAMT. The Company has made an accounting election to disregard CAMT when evaluating the need for a Valuation Allowance for its non-CAMT DTAs.
In computing taxable income, life insurance
        companies are allowed a deduction attributable to their life insurance and accident and health reserves. The Tax Act of 2017 significantly changed the methodology by
Statutory Financial Statements as of December 31, 2023
Page 53 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
which these reserves are computed for tax
        purposes. The changes are effective for tax years beginning after 2017 and are subject to a transition rule that spreads the additional income tax liability over the subsequent eight years beginning in 2018.  Due to complexities in the new
        methodology and limited guidance from the Internal Revenue Service and U.S. Treasury, the Company has recorded provisional amounts for the deferred tax revaluation associated with the changes in the computation of life insurance tax reserves based
        on information available at December 31, 2017.  Pursuant to Interpretation of the SAP Working Group 18-01:
Updated Tax Estimates under the Tax Cuts and Jobs Act
, provisional tax computations related to these amounts were reasonably estimated as of December 31, 2017 and have been adjusted based on guidance received from Internal Revenue
        Service and U.S. Treasury. Adjusted amounts are reflected in the Company's results of operations for the years ended December 31, 2023, 2022, and 2021.
The Change in net deferred income tax is comprised
        of the following (this analysis is exclusive of the nonadmitted DTAs as the Change in nonadmitted assets is reported separately from the Change in net deferred income tax in the Unassigned surplus section of the Statutory Statements of Capital and
        Surplus):
December 31
2023
2022
Change
Net deferred tax assets (liabilities)
$
759
487
272
Statutory valuation allowance adjustment
—
—
—
Net deferred tax assets (liabilities) after statutory valuation allowance
759
487
272
Tax effect of unrealized gains (losses)
162
208
(46)
Statutory valuation allowance adjustment allocated to unrealized gains (losses)
—
—
—
Tax

                impact due to correction of error
9
—
9
Change

                in net deferred income tax
$
930
$
695
$
235
(d)    Reconciliation of Federal Income Tax Rate to
        Actual Effective Rate
The provision for federal income taxes incurred is different from that
        which would be obtained by applying the statutory federal income tax rate to income before income taxes. The significant items causing this difference are as follows:
Statutory Financial Statements as of December 31, 2023
Page 54 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
December 31, 2023
December 31, 2022
December 31, 2021
Federal income
                tax rate
21.0
%
21.0
%
21.0
%
Amortization of
                IMR
(0.3)
(0.3)
(1.9)
Dividends
                received deduction
(0.9)
(0.4)
(1.3)
Nondeductible
                expenses
2.9
1.3
0.1
Affiliated LLC
                income
(0.2)
(0.2)
(0.2)
COLI
(0.7)
0.1
(2.4)
Tax hedges
8.5
(4.5)
(6.5)
Tax hedge
                reclassification
(7.0)
(15.0)
73.7
Tax credits
(2.8)
(2.0)
(9.6)
Prior period
                adjustments
0.1
—
(1.2)
Change in
                deferred taxes on impairments
(0.5)
(0.3)
0.6
Change in
                deferred taxes on nonadmitted assets
0.1
(0.2)
(0.4)
Change in
                deferred tax reclassified to Change due to correction of accounting error
(0.4)
—
—
Reinsurance
(3.0)
(1.9)
83.5
Correction of
                error surplus
0.4
—
2.0
Tax
                contingencies
(1.7)
0.4
10.6
Realized capital
                gains tax
(4.7)
(1.5)
47.4
Other
0.2
—
(1.4)
Effective tax
                rate
11.0
%
(3.5)
%
214.0
%
Federal and
                foreign income taxes incurred
26.6
%
(0.1)
%
207.4
%
Realized Capital
                Gains Tax
(4.7)
(1.5)
47.4
Change in net
                deferred tax
(10.9)
(1.9)
(40.8)
Effective tax
                rate
11.0
%
(3.5)
%
214.0
%
(e)    Carryforwards, Recoverable Taxes, and IRC
        Section 6603 Deposits
As of December 31, 2023, there are $0 for operating
        losses and foreign tax credit carryforwards available for tax purposes.
As of December 31, 2023 and 2022, there was $104 and
        $206, respectively of Federal income taxes available for recoupment in the event of future net losses.
As of December 31, 2023, the Company admitted a
        deposit under Section 6603 of the IRC in the amount of $179, which is within Current federal and foreign income tax recoverable on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. There were no deposits admitted as
        of December 31, 2022.
The Company had tax contingencies computed in
        accordance with SSAP No. 5R, Liabilities, Contingencies and Impairment of Assets, and SSAP No. 101 as of December 31, 2023 and 2022. The Company does not believe the tax contingencies will significantly increase within the next 12 months.
The Company recognizes interest and penalties
        accrued related to unrecognized tax benefits in federal income tax expense. During the years ended December 31, 2023, 2022, and 2021 the Company recognized expenses of $(12), $7, and $23 in interest and penalties, respectively. The Company had $28
        and $40 for the unrecognized tax benefits and related accrued interest at December 31, 2023 and 2022, respectively.
(f)    Consolidated Federal Income
        Tax Return
Statutory Financial Statements as of December 31, 2023
Page 55 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
The Company's federal income tax return is
        consolidated with its parent, AZOA. The method of allocation among companies is subject to a written agreement with AZOA, approved by the Board of Directors of AZOA, that provides for computation of federal income taxes primarily on a separate
        company basis with the Company receiving reimbursement by AZOA for the benefit of all tax attributes, including credits and losses, when such attributes are utilized in the AZOA consolidated federal income tax return. In 2023, the Company amended
        the agreement to include the corporate alternative minimum tax applying principles described above. Intercompany tax balances are settled annually after the consolidated return is filed.
The Company is included in the consolidated group
        for which AZOA files a federal income tax return on behalf of all group members. As a member of the AZOA consolidated group, the Company is no longer subject to U.S. Federal and non-U.S. income tax examinations for years prior to 2016, though
        examinations of combined returns filed by AZOA, which include the Company, by certain U.S. state and local tax authorities, may still be conducted for 2016 and subsequent years. The Internal Revenue Service (IRS) examination of AZOA for the 2016
        and 2017 income tax returns has completed the exam phase and has been assigned to Appeals for an issue related to variable annuity hedging income recognition. A verbal agreement for the settlement of this hedging issue has been reached with the
        IRS. The settlement is subject to a final closing agreement. The IRS has also initiated an examination of AZOA's 2018-2020 income tax returns, which is expected to close by the end of 2024.
As of December 31, 2023, the companies included in
        the consolidated group for which AZOA files a federal income tax return are included below:
Members of Consolidated Tax Group
Allianz Life Insurance Company of North America
Allianz Life Insurance Company of Missouri
Allianz Life Insurance
                Company of New York
Allianz Underwriters
                Insurance Company
AZOA Services Corporation
AGCS Marine Insurance
                Company
Allianz Global Risks US
                Insurance Company
Allianz Reinsurance
                Management Services, Inc.
Allianz Reinsurance of
                America, Inc.
Fireman's Fund Insurance
                Company
Allianz Technology of
                America, Inc.
Fireman's Fund Indemnity
                Corporation
Allianz Renewable Energy
                Partners of America LLC
National Surety
                Corporation
Allianz Renewable Energy
                Partners of America 2 LLC
Chicago Insurance Company
PFP Holdings, LLC.
Interstate Fire &
                Casualty Company
AZL PF Investments, Inc.
American Automobile
                Insurance Company
Dresdner Kleinwort
                Pfandbriefe Investments II, Inc.
The American Insurance
                Company
Allianz Fund Investments,
                Inc.
Allianz Risk Transfer,
                Inc.
Yorktown Financial
                Companies, Inc.
Allianz Risk Transfer
                (Bermuda), Ltd.
Questar Capital
                Corporation
Questar Agency, Inc.
(10)    Accident and Health Claim Reserves
Accident and health claim reserves are based on
        estimates that are subject to uncertainty. Uncertainty regarding reserves of a given accident year is gradually reduced as new information emerges each succeeding year, thereby allowing more reliable reevaluations of such reserves. While management
        believes that reserves as of December 31, 2023 are appropriate, uncertainties in the reserving process could cause reserves to develop favorably or unfavorably in the near term as new or additional information emerges. Any adjustments to reserves
        are reflected in the operating results of the periods in which they are made. Movements in reserves could significantly impact the Company's future reported earnings.
Statutory Financial Statements as of December 31, 2023
Page 56 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
Activity in the accident and health claim reserves is summarized as
        follows:
2023
2022
2021
Balance at
                January 1, net of reinsurance recoverables of $845, $734, and $665, respectively
$
437
385
337
Incurred related to:
Current year
242
201
189
Prior years
(15)
(39)
(47)
Total incurred
227
162
142
Paid related to:
Current year
12
11
10
Prior years
121
99
84
Total paid
133
110
94
Balance at
                December 31, net of reinsurance recoverables of $1,000, $845, and $734, respectively
$
531
437
385
Prior year incurred claim reserves for 2023, 2022
        and 2021 were favorable as a result of re-estimation of unpaid claims and claim adjustment expenses, principally on the individual LTC line of business.
Statutory Financial Statements as of December 31, 2023
Page 57 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
(11)    Reinsurance
The Company primarily enters into reinsurance
        agreements to manage risk resulting from its life, annuity, and accident and health businesses, as well as businesses the Company has chosen to exit. In the normal course of business, the Company seeks to limit its exposure to loss by ceding risks
        under yearly renewal term, coinsurance, and modified coinsurance.
The Company monitors the financial exposure and
        financial strength of the reinsurers on an ongoing basis. The Company attempts to mitigate risk by securing recoverable balances with various forms of collateral, including arranging trust accounts and letters of credit with certain reinsurers.
The effect of reinsurance on reserves, deposit-type
        contracts, and claims, for amounts recoverable from other insurers, was as follows:
For the years ended December 31,
Reduction in:
2023
2022
Aggregate
                reserves *
$
27,184
17,122
Deposit-type
                contracts
423
257
Policy and
                contract claims
50
33
*Aggregate
                reserves are reduced by funds withheld agreements that results in a reclassification of reserves to Funds held under reinsurance treaties on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus in the amount of
                $10,034 and $139 as of December 31, 2023 and 2022, respectively.
Reinsurance reserves, recoverables, and receivables
        at December 31, 2023 and 2022, are covered by collateral of $14,101 and $12,894, respectively, in addition to the letter of credit on behalf of AZMO, as noted in Note 2.
Life insurance, annuities, and accident and health business assumed
        from and ceded to other companies are as follows:
Year ended
Direct amount
Ceded to other companies
Assumed from other companies
Net amount
December 31, 2023
Life
                insurance in-force
$
89,951
52,123
42
37,870
Premiums:
Life
1,649
102
—
1,547
Annuities
16,985
1,208
—
15,777
Accident and
                health
177
73
75
179
Total premiums
$
18,811
1,383
75
17,503
December 31, 2022
Life
                insurance in-force
$
80,796
48,002
41
32,835
Premiums:
Life
1,537
94
—
1,443
Annuities
13,438
762
—
12,676
Accident and
                health
170
71
70
169
Total premiums
$
15,145
927
70
14,288
December 31, 2021
Life
                insurance in-force
$
65,088
41,500
50
23,638
Premiums:
Life
1,453
94
1
1,360
Annuities
13,226
623
—
12,603
Accident and
                health
168
68
62
162
Total premiums
$
14,847
785
63
14,125
Statutory Financial Statements as of December 31, 2023
Page 58 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
The Company holds securities backing term life and
        universal life with secondary guarantees ceded reserves in compliance with Actuarial Guideline 48. As of both December 31, 2023 and 2022, the Company had 8 reinsurance contracts in which risks under covered policies have been ceded. The Company
        held primary securities in an amount at least equal to the required level of primary securities for all of these contracts.
There are no nonaffiliated reinsurers owned in
        excess of 10% or controlled, either directly or indirectly, by the Company or by a representative, officer, trustee, or director of the Company.
There are no policies issued by the Company that
        have been reinsured with a company chartered in a country other than the United States that is owned in excess of 10% or controlled directly or indirectly by an insured, a beneficiary, a creditor, or any other person not primarily engaged in the
        insurance business.
The Company does not have any reinsurance agreements
        in effect under which the reinsurer may unilaterally cancel any reinsurance for reasons other than for nonpayment of premium or other similar credits.
The Company does not have reinsurance agreements in
        effect such that the amount of losses paid or accrued through the statement date may result in a payment to the reinsurer of amounts that, in aggregate and allowing for offset of mutual credits from other reinsurance agreements with the same
        reinsurer, exceed the total direct premium collected under the reinsured policies.
The Company did not write off any uncollectible
        recoverables during 2023, 2022, or 2021.
The Company executed or amended the following agreements during the current year,
        that included policies or contracts that were in force as of the effective date of the agreement:
The Company maintains a modified-coinsurance
        agreement with Resolution Re for certain fixed-indexed annuities and Resolution Re has a retrocession agreement with Talcott Life Re for 20% of the quota-share. A novation of that agreement resulted in Talcott Life Re directly facing Allianz Life
        instead of facing Resolution Re. This does not result in the modification or derecognition of the novated reinsured liabilities, and does not have any financial impact on the Company.
Effective November 30, 2023, the Company amended a
        reinsurance agreement with Talcott Life Re that covered an inforce block of certain fixed-indexed annuities. The amendment converted the agreement from a modified coinsurance basis to a funds withheld coinsurance basis, and did not result in a
        change in the reinsurance credits taken. This amendment resulted in reserves being reclassified from Life policies and annuity contracts on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus to Funds held under
        reinsurance treaties on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus which amounted to $10,016 as of the effective date and $9,757 as of December 31, 2023.
Statutory Financial Statements as of December 31, 2023
Page 59 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
(12)    Annuity Actuarial Reserves and Deposit Liabilities by Withdrawal Characteristics
Information regarding the Company's annuity actuarial reserves and
        deposit liabilities by withdrawal characteristics at December 31 is as follows:
2023
Percentage of total
2022
Percentage of total
Subject to discretionary
                withdrawal:
With market
                value adjustment
$
61,551
40
%
$
54,155
37
%
At book
                value less current surrender charges of 5% or more
39,841
26
34,062
23
At market
                value
15,527
10
15,629
10
Total with
                adjustment or at market value
116,919
76
103,846
70
At book
                value without adjustment (minimal or no charge or adjustment)
30,105
19
34,870
24
Not subject
                to discretionary withdrawal
7,718
5
8,187
6
Total gross
154,742
100
%
146,903
100
%
Reinsurance ceded
23,033
12,936
Total net
$
131,709
$
133,967
Amount included in At
                book value less current charges of 5% or more that will move to At book value without adjustment in the year after the statement date:
$
3,825
$
3,376
Reconciliation of total annuity actuarial
                reserves and deposit fund liabilities:
2023
2022
Life, Accident and
                Health Annual Statement:
Annuities, net
                (excluding supplementary contracts with life contingencies)
$
80,492
89,017
Supplemental
                contracts with life contingencies, net
1,978
2,036
Deposit-type
                contracts
3,842
4,233
Subtotal
86,312
95,286
Separate Accounts Annual
                Statement:
Annuities, net
                (excluding supplementary contracts with life contingencies)
45,381
38,667
Supplemental
                contracts with life contingencies, net
16
14
Subtotal
45,397
38,681
Total
                annuity actuarial reserves and deposit fund liabilities
$
131,709
133,967
Statutory Financial Statements as of December 31, 2023
Page 60 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
(13)    Life Actuarial Reserves by Withdrawal Characteristics
Information regarding the Company's life actuarial
        reserves by withdrawal characteristics at December 31 is as follows:
2023
General Account
Account value
Cash value
Reserve
Subject to discretionary withdrawal, surrender values, or policy loans:
Universal
                life
$
754
752
758
Universal
                life with secondary guarantees
58
54
141
Indexed life
8,957
7,820
7,869
Other
                permanent cash value life insurance
86
86
86
Variable
                universal life
2
2
2
Miscellaneous
                reserves
—
—
302
Not subject to
                discretionary withdrawal or no cash values:
Term policies
                without cash value
XXX
XXX
184
Disability,
                active lives
XXX
XXX
49
Disability,
                disabled lives
XXX
XXX
5
Miscellaneous
                reserves
XXX
XXX
39
Total gross
9,857
8,714
9,435
Reinsurance
                ceded
560
560
791
Total net
$
9,297
8,154
8,644
2022
General Account
Account value
Cash value
Reserve
Subject to discretionary withdrawal, surrender values, or policy loans:
Universal
                life
$
786
785
791
Universal
                life with secondary guarantees
58
53
140
Indexed life
7,857
6,824
6,859
Other
                permanent cash value life insurance
97
97
97
Variable
                universal life
2
2
2
Not subject to
                discretionary withdrawal or no cash values:
Term policies
                without cash value
XXX
XXX
198
Disability,
                active lives
XXX
XXX
49
Disability,
                disabled lives
XXX
XXX
5
Miscellaneous
                reserves
XXX
XXX
40
Total gross
8,800
7,761
8,181
Reinsurance
                ceded
587
587
848
Total net
$
8,213
7,174
7,333
The Company does not
                have any life policies with guarantees in the separate account.
Statutory Financial Statements as of December 31, 2023
Page 61 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
2023
Separate Account
                Nonguaranteed
Account value
Cash value
Reserve
Subject to discretionary withdrawal, surrender values, or policy loans:
Variable
                universal life
$
17
17
17
Total gross
17
17
17
Reinsurance
                ceded
—
—
—
Total net
$
17
17
17
2022
Separate Account
                Nonguaranteed
Account Value
Cash Value
Reserve
Subject to discretionary withdrawal, surrender values, or policy loans:
Variable
                universal life
$
16
16
16
Total gross
16
16
16
Reinsurance
                ceded
—
—
—
Total net
$
16
16
16
Reconciliation of total life actuarial reserves:
2023
2022
Life, Accident,
                and Health Annual Statement:
Life
                insurance, net
$
8,274
$
7,263
Disability,
                active lives, net
46
47
Disability,
                disabled lives, net
1
1
Miscellaneous
                reserves, net
323
22
Subtotal
8,644
7,333
Separate
                Accounts Annual Statement:
Life
                insurance, net
17
16
Subtotal
17
16
Total life
                actuarial reserves
$
8,661
$
7,349
(14)
Separate Accounts
The Company's separate accounts represent funds held
        for the benefit of contract holders entitled to payments under variable annuity contracts, variable life policies and market value adjusted annuity contracts issued through the Company's separate accounts and underwritten by the Company. As of
        December 31, 2023 and 2022, the Company's separate accounts are classified as nonguaranteed. Information regarding the Company's separate accounts for the years ended December 31 is as follows:
Statutory Financial Statements as of December 31, 2023
Page 62 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
2023
2022
Premiums,
                considerations, or deposits
$
5,405
4,839
Reserves:
Reserves for
                accounts with assets at fair value
15,695
15,788
Reserves for
                accounts with assets at amortized cost
29,719
22,909
Total reserves
$
45,414
38,697
By withdrawal
                characteristics:
At book
                value without MV adjustment and with current surrender charge of 5% or more
$
25,533
19,533
At fair
                value
15,658
15,753
At book
                value without MV adjustment and with current surrender charge of less than 5%
4,192
3,382
Subtotal
45,383
38,668
Not subject
                to discretionary withdrawal
31
29
Total
$
45,414
38,697
As of December 31, 2023 and 2022, the Company's
        separate accounts included legally insulated assets and non-insulated assets attributed to the following products/transactions:
2023
2022
Product/transaction
Legally insulated
Not legally insulated
Legally insulated
Not legally insulated
Variable Annuities
$
15,462
—
15,624
—
Variable Life
17
—
16
—
Variable Annuities
                (Non-Unitized Insulated)
453
—
411
—
Variable Annuities
                (Non-Unitized Non-Insulated)
—
36,826
—
27,420
Variable Annuities (MN
                MVA)
—
23
—
31
Total
$
15,932
36,849
16,051
27,451
The Company's separate account liabilities contain
        guaranteed benefits. The liabilities for guaranteed benefits are supported by the Company's general account assets. To compensate the general account for the risk taken, the separate account paid risk charges of $155, $163, $171, $180, and $204
        during the past five years, respectively. The general account of the Company paid $59, $59, $4, $19, and $16 towards separate account guarantees during the past five years, respectively.
As of December 31, 2023 and 2022, the Company has
        lent assets with a carrying value of $852 and $1,399, and a fair market value of $741 and $1,149, respectively. The Company lends the securities and the borrower provides cash collateral and short term securities to support the loan. The aggregate
        amount of collateral received was $761 and $1,179 as of December 31, 2023 and 2022, which was comprised of $760 and $1,059 of cash collateral and $1 and $120 of non-cash collateral, respectively. The Company's separate account securities lending
        program is the same as the general account program.
Statutory Financial Statements as of December 31, 2023
Page 63 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
A reconciliation of net transfers to (from) separate
        accounts for the years ended December 31 is included in the following table:
2023
2022
2021
Transfers as
                reported in the Summary of Operations of the Separate Accounts Annual Statement:
Transfers to
                separate accounts
$
5,405
4,839
5,927
Transfers
                from separate accounts
(4,579)
(3,106)
(3,507)
Net transfers
                to separate accounts
826
1,733
2,420
Reconciling adjustments:
Other
                adjustments
8
(1)
4
Transfers as reported in
                the Statutory Statements of Operations
$
834
1,732
2,424
(15)
Related-Party Transactions
(a)     Organization Changes
On January 1, 2021, the Company formed Allianz
        Strategic Investments (ASI), a non-insurance subsidiary. ASI's sole operations are investment activities associated with direct equity holdings performed in coordination with Allianz Life. Allianz Life has made various capital contributions into
        ASI in the form of preferred and common stock investments as indicated in the table below in 15(e).
The company legally dissolved and terminated its
        subsidiary Questar Asset Management (QAM) on September 30, 2021. Upon termination, QAM paid a dividend to Yorktown. Yorktown subsequently paid a dividend to the Company as indicated in the table below in 15(e).
On November 30, 2022, the Company sold Allianz
        Individual Insurance Group (AIIG) and its wholly-owned subsidiaries, TruChoice Financial Group, LLC and Inforce Solutions, LLC.
(b)    Related-Party Invested
        Assets
The Company has an agreement to lend AZOA $39. The
        remaining loan balance was $25 and $30 as of December 31, 2023 and 2022, respectively, and is included in Other invested assets on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. Repayment of this loan began in
        2021 and has a final maturity date of August 30, 2026. The interest rate is a fixed rate of 4.49%. Interest income earned and accrued had an immaterial impact to the Company during 2023, 2022, and 2021, respectively.
The Company invests in limited partnerships that are
        managed by its affiliate Pacific Investment Management Company (PIMCO). The total committed capital for the limited partnerships is $234 and $223 of which $91 and $91 is unfunded as of December 31, 2023 and 2022, respectively. As of December 31,
        2023 and 2022, the fair value of the investment is $248 and $143 respectively, and is recorded in Other invested assets on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
The Company has a seed money investment in exchange traded funds that
        are managed by a related party, PIMCO, with reported balances of $30 and $31 as of December 31, 2023 and 2022, respectively, within Other invested assets on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. There is
        no additional commitment related to these investments.
The Company invests in bonds that are managed by a
        related party, PIMCO. The Company's committed capital for the PIMCO bonds was $1,315 and $1,260 as of December 31, 2023 and 2022, respectively, of which $423 and $488 was unfunded as of December 31, 2023 and 2022, respectively. The Company reported
        balances of $804 and $725 as of December 31, 2023 and 2022, respectively, related to the PIMCO bonds within Bonds on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
The Company has a seed money investment in exchange traded funds that are managed by
        a related party, AIM. The Company reported a balance of $89 and $57 as of December 31, 2023 and 2022 related to the seed money
Statutory Financial Statements as of December 31, 2023
Page 64 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
investment within Stocks on the Statutory Statements of Admitted Assets, Liabilities,
        and Capital and Surplus. There is no additional commitment related to these investments.
(c)     Service
        Fees
The Company incurred fees for services provided by
        affiliated companies of $409, $205, and $194 in 2023, 2022, and 2021, respectively. The Company's liability for these expenses was $47 and $32 at December 31, 2023 and 2022, respectively, and is included in Other liabilities on the Statutory
        Statements of Admitted Assets, Liabilities, and Capital and Surplus. In the normal course of business, the outstanding amount is settled in cash.
The Company earned revenues for various services
        provided to affiliated companies and subsidiaries of $99, $80, and $71 in 2023, 2022, and 2021, respectively. The receivable for these revenues was $7 and $6 as of December 31, 2023 and 2022, respectively, and is included in Other assets on the
        Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus. In the normal course of business, the outstanding amount is settled in cash.
The Company has agreements with its affiliates PIMCO
        and with certain other related parties whereby (1) specific investment options managed by PIMCO are made available through the Company's separate accounts to holders of the Company's variable annuity products, and (2) the Company receives
        compensation for providing administrative and recordkeeping services relating to the investment options managed by PIMCO. Income recognized by the Company from this affiliate for distribution and in-force related costs as a result of providing
        investment options to the contractholders was $4, $5, and $7 during 2023, 2022, and 2021, respectively, which is included in Fees from separate accounts on the Statutory Statements of Operations. At December 31, 2023 and 2022, $0 and $0,
        respectively, were included for related receivables of these fees in Other assets on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
The Company has incurred commission expense related
        to the distribution of variable annuity products from Allianz Life Financial Services, LLC (ALFS) in the amount of $402, $372, and $427 for the years ended December 31, 2023, 2022, and 2021, respectively. The Company has an agreement with ALFS,
        whereby interest receivable is assigned to the Company and 12b-1 fee receivables are assigned to the Company and AZNY. The Company has also agreed with AZNY to share in reimbursing ALFS for direct and indirect expenses incurred in performing
        services for the Company and AZNY. In the event that assigned receivables exceed expenses, ALFS records a dividend-in-kind to the Company and a loss on the transaction with AZNY. The Company recorded a net (expense) revenue from this agreement of
        $(51), $(42), and $(42) for the years ended December 31, 2023, 2022, and 2021, respectively.
(d)
            Dividends to Parent
The Company paid cash dividends to AZOA of $500,
        $4,100, and $900 in 2023, 2022, and 2021, respectively. Based on the ordinary dividend limitations set forth under Minnesota Insurance Law, the dividends paid in 2023 were ordinary and 2022, and 2021 were considered extraordinary.
(e)     Capital
        Contributions and Dividends with Subsidiaries
During the years ended December 31, the Company
        received dividends from its subsidiaries as follows:
2023
2022
2021
Allianz Investment
                Management, LLC
$
34
47
41
AZL PF Investments, Inc. (AZLPF)
(1)
67
30
—
Allianz Individual
                Insurance Group, LLC (AIIG)
—
5
4
Total
$
101
82
45
(1)
                Dividends received from AZLPF includes $38 of dividends that originated from Allianz Fund Investments, Inc., which paid dividends to its immediate parent, Dresdner Kleinwort Pfandbriefe Investments II, Inc. ("DKPII"). DKPII then paid
                dividends to AZLPF, which subsequently paid dividends to the Company.
Statutory Financial Statements as of December 31, 2023
Page 65 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
During the years ended December 31, the Company made
        capital contributions to subsidiaries as follows:
2023
2022
2021
AZNY
$
30
30
—
Allianz Investment
                Management U.S. LLC (AIM US)
—
—
8
ALFS
51
42
48
Allianz Strategic
                Investments, LLC (ASI)
$
7
13
66
Total
$
88
85
122
(f)     Reinsurance
The Company wholly-owns AZMO, a Special Purpose Life
        Reinsurance Captive Insurance Company domiciled in Missouri. The Company cedes to AZMO, and AZMO provides reinsurance on a coinsurance basis and modified coinsurance basis, a 100% quota share of the Company's net liability of level term life
        insurance policies and certain universal life insurance policies written directly by the Company. The total premium and associated reserve amounts ceded from the Company to AZMO for the years ended December 31, 2023, 2022, and 2021 were $3, $3, and
        $2, respectively. The Company recorded a ceding commission of $1 for 2023, 2022, and 2021, respectively. In addition, the Company recorded a deferred gain of $97 upon execution of the reinsurance agreement in 2009, of which $3, $3 and $3 was
        amortized in 2023, 2022, and 2021, respectively, and included in Commissions and expense allowances on reinsurance ceded on the Statutory Statements of Operations.
The Company has reinsurance recoverables and
        receivables related to reinsurance agreements with affiliated entities. Total affiliated reinsurance recoverables and receivables were $5 and $1 as of December 31, 2023 and 2022, respectively, and are included in Other assets on the Statutory
        Statements of Admitted Assets, Liabilities, and Capital and Surplus.
(g)     Line of Credit Agreement
The Company has a line of credit agreement with its
        subsidiary, AZNY, to provide liquidity, as needed. The Company's lending capacity under the agreement is limited to 5% of the general account admitted assets of AZNY as of the preceding year end. The Company provided $30 to AZNY under the terms of
        this agreement on May 10, 2022. The full amount was repaid on June 29, 2022. There was no outstanding balance under the line of credit agreement as of December 31, 2023 and 2022.
(h)     SCA or SSAP 48 Entity Loss
        Tracking
The Company had the losses from the following entities for the year
        ended December 31, 2023 and did not have any losses for the years ended December 2022 and 2021.
Entity
Reporting Entity's Share of Entity's Net Income (Loss)
Accumulated Share of Net Income (Losses)
Reporting Entity's Share of Equity, Including Negative Equity
Guaranteed Obligation / Commitment for Financial Support (Yes / No)
Reported Value
AIM U.S. LLC
$
—
(11)
(11)
YES
$
—
Yorktown Holdings
—
—
—
YES
$
—
SCA or SSAP 48 entity losses did not have any impact on other
        investments for the years ended December 31, 2023, 2022, and 2021 respectively.
(16)    Employee Benefit Plans
The Company participates in the Allianz Asset
        Accumulation Plan (AAAP), a defined contribution plan sponsored by Allianz of America Corporation (AZOAC). Eligible employees are immediately enrolled in the AAAP on their first day of employment. The AAAP will accept participants' pretax, Roth
        401(k), and/or after-tax contributions up to 80%
Statutory Financial Statements as of December 31, 2023
Page 66 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
of the participants' eligible compensation,
        although contributions remain subject to annual limitations set by the Internal Revenue Service. The Company matches up to a maximum of 7.5% of the employees' eligible compensation. Participants are 100% vested in the Company's matching
        contribution after three years of service.
The AAAP administration expenses and the trust
        fund, including trustee fees, investment manager fees, and audit fees, are payable from the trust fund but may, at the Company's discretion, be paid by the Company. All legal fees are paid by the Company. It is the Company's policy to fund the AAAP
        costs as incurred. The Company has expensed $15, $15, and $13 in 2023, 2022, and 2021, respectively, toward the AAAP matching contributions and administration expenses.
A defined group of highly compensated employees is
        eligible to participate in the AZOAC Deferred Compensation Plan. The purpose of the plan is to provide tax planning opportunities, as well as supplemental funds upon retirement. The plan is unfunded, meaning no assets of the Company have been
        segregated or defined to represent the liability for accrued assets under the plan. Employees are 100% vested upon enrollment in the plan for funds they have deferred. Employees' funds are invested on a pay period basis and are immediately vested.
        Participants and the Company share the administrative fee. The accrued liability of $78 and $69 as of December 31, 2023 and 2022, respectively, is recorded in Other liabilities on the Statutory Statements of Admitted Assets, Liabilities, and
        Capital and Surplus.
The Company sponsors a nonqualified deferred
        compensation plan for a defined group of agents. The Company can make discretionary contributions to the plan in the form and manner the Company determines reasonable. Discretionary contributions are currently determined based on production. The
        accrued liability of $47 and $50 as of December 31, 2023 and 2022, respectively, is recorded in Other liabilities on the Statutory Statements of Admitted Assets, Liabilities, and Capital and Surplus.
The Company participates in a stock-based
        compensation plan sponsored by Allianz SE, which awards certain employees Restricted Stock Units (RSU) that are tied to Allianz SE stock. Allianz SE determines the number of RSU granted to each participant. The Company records expense equal to the
        change in fair value of the units during the reporting period, which includes the Company's estimate of the number of awards expected to be forfeited. A change in value of $17, $8, and $8 was recorded in 2023, 2022, and 2021, respectively, and is
        included in General and administrative expenses on the Statutory Statements of Operations. The related liability of $34 and $21 as of December 31, 2023 and 2022, respectively, is recorded in Other liabilities on the Statutory Statements of Admitted
        Assets, Liabilities, and Capital and Surplus.
(17)
Statutory Capital and Surplus
Statutory accounting practices prescribed or
        permitted by the Company's state of domicile are directed toward insurer solvency and protection of policyholders. As such, the Company is required to meet minimum statutory capital and surplus requirements. The Company's statutory capital and
        surplus as of December 31, 2023 and 2022, were in compliance with these requirements. The maximum amount of ordinary dividends that can be paid by Minnesota insurance companies to the stockholder without prior approval of the Department is subject
        to restrictions relating to statutory earned surplus, also known as unassigned funds. Unassigned funds are determined in accordance with the accounting procedures and practices governing preparation of the statutory annual statement. In accordance
        with Minnesota Statutes, the Company may declare and pay from its Unassigned surplus cash dividends of not more than the greater of 10% of its prior year-end statutory surplus, or the net gain from operations before net realized capital gain of the
        insurer for the 12-month period ending the 31st day of the next preceding year. Based on these limitations, ordinary dividends of $1,587 can be paid in 2024 without prior approval of the Department.
Regulatory Risk-Based Capital
An insurance enterprise's state of domicile imposes
        minimum risk-based capital requirements that were developed by the NAIC. The formulas for determining the amount of risk-based capital specify various weighting factors that are applied to financial balances or various levels of activity based on
        the perceived degree of risk. Regulatory compliance is determined by a ratio of an enterprise's regulatory total adjusted capital to its authorized control level risk-based capital, as defined by the NAIC. Companies below specific trigger points or
        ratios are classified within certain levels,
Statutory Financial Statements as of December 31, 2023
Page 67 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
each of which requires specified corrective action.
        This ratio for the Company significantly exceeds required minimum thresholds as of December 31, 2023 and 2022.
(18)    Direct Premiums Written by Third-Party Administrators
The Company has direct premiums written by
        third-party administrators (TPAs). The types of business written by the TPAs include life, accidental death and dismemberment, medical, disability, excess risk, and LTC. The authority granted to the TPAs includes binding authority, claims payment,
        claims adjustment, underwriting, and premium collection. Total premiums written by TPAs were $255, $204, and $136 for 2023, 2022, and 2021, respectively. For the years ended December 31, 2023, 2022, and 2021, there were no individual TPAs that
        wrote premiums that equaled at least 5% of the capital and surplus of the Company.
(19)
Capital Structure
The Company is authorized to issue three types of capital stock, as
        outlined in the table below:
Authorized
Issued and outstanding
Par value, per share
Redemption and liquidation rights
Common stock
40,000,000
20,000,001
$
1.00
None
Preferred stock:
Class A
                (consisting of Series A and B below)
200,000,000
18,903,484
$
1.00
Designated by
                Board for each series issued
Class A, Series A
8,909,195
8,909,195
$
1.00
$35.02 per
                share plus an amount to yield a compounded annual return of 6%, after actual dividends paid
Class A, Series B
10,000,000
9,994,289
$
1.00
$35.02 per
                share plus an amount to yield a compounded annual return of 6%, after actual dividends paid
Class B
400,000,000
—
$
1.00
Designated by
                Board for each series issued
Holders of Class A preferred stock and of common
        stock are entitled to one vote per share with respect to all matters presented to or subject to the vote of shareholders. Holders of Class B preferred stock have no voting rights. All issued and outstanding shares are owned by AZOA. See Note 1 for
        further discussion.
Each share of Class A preferred stock is convertible
        into one share of the Company's common stock. The Company may redeem any or all of the Class A preferred stock at any time. Dividends will be paid to each class of stock only when declared by the BOD. In the event a dividend is declared, dividends
        must be paid to holders of Class A preferred stock, Class B preferred stock, and common stock, each in that order.
As discussed in Note 15 to these Statutory Financial
        Statements, the Company carried out various capital transactions with related parties during 2023, 2022, and 2021.
(20)
Reconciliation to the Annual Statement
The Company is required to file an Annual Statement
        with the Department. As of December 31, 2023 and 2022, there is no difference in admitted assets or liabilities between this report and the Annual Statement. As of December 31, 2023, 2022, and 2021, there is no difference in capital and surplus or
        net income between this report and the Annual Statement.
(21)    Commitments and Contingencies
The Company and its subsidiaries are named as
        defendants in various pending or threatened legal proceedings on an ongoing basis, arising from the conduct of business, including three putative class action proceedings: Sanchez v.
Statutory Financial Statements as of December 31, 2023
Page 68 of 69
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
Notes to Statutory Financial Statements
(Dollars in millions, except share data and security holdings quantities)
Allianz Life Ins. Co. of North America (Superior
        Court of California, L.A. County, BC594715), Small v. Allianz Life Ins. Co. of North America (United Stated District Court, Central District of California, Case No. 2:20-cv-01944-AB (KESx)(Small I), and Small v Allianz Life Ins. Co. of North
        America (Superior Court of California, L.A. County, 22STCV17838)(Small II). The Sanchez case was certified as a class; and the parties settled the matter and the settlement has been granted final approval by the Court. The two Small cases are
        related. Small I case has been certified as a class action. The court granted partial judgment in favor of the class, with damages yet to be tried, and granted partial judgment to the Company on claims of class members with time-barred claims. The
        class certification decision is on appeal, and the district court action is stayed pending appeal. Small II has not been certified as a class action and is currently stayed. The Company generally intends to vigorously contest the lawsuits, but may
        pursue settlement negotiations in some cases, if appropriate. The outcome of the cases is uncertain at this time, and there can be no assurance that such litigation, or any future litigation, will not have a material adverse effect on the Company
        and/or its subsidiaries. The Company recognizes legal costs as incurred.
The Company is contingently liable for possible
        future assessments under regulatory requirements pertaining to insolvencies and impairments of unaffiliated insurance companies. Provision has been made for assessments currently received and assessments anticipated for known insolvencies.
The financial services industry, variable and fixed
        annuities, life insurance, distribution companies, and broker-dealers, is subject to close scrutiny by regulators, legislators, and the media.
Federal and state regulators, such as state
        insurance departments, state securities departments, the SEC, the Financial Industry Regulatory Authority, the Internal Revenue Service, and other regulatory bodies regularly make inquiries and conduct examinations or investigations concerning
        various selling practices, including suitability reviews, product exchanges, sales to seniors, and compliance with, among other things, insurance and securities law. The Company is and may become subject to ongoing market conduct examinations and
        investigations by regulators, which will or may result in fines and/or otherwise have a material adverse effect on the Company.
It can be expected that annuity and life product
        designs, management, and sales practices will be an ongoing source of regulatory scrutiny and enforcement actions, litigation, and rulemaking.
These matters could result in legal precedents and
        new industry-wide legislation, rules, and regulations that could significantly affect the financial services industry, including life insurance and annuity companies. It is unclear at this time whether any such litigation or regulatory actions will
        have a material adverse effect on the Company in the future.
Certain guarantees of the Company provide for the
        maintenance of a subsidiary's regulatory capital, surplus levels and liquidity sufficient to meet certain obligations. Those unlimited guarantees are made on behalf of certain wholly owned subsidiaries (AZNY, AZMO, ALFS and Questar Capital
        Corporation, through its parent, Yorktown). These guarantees are not limited and cannot be estimated as of the balance sheet date. From time to time, the Company makes capital contributions to these subsidiaries as needed under the guarantees.
        Capital contributions made during the years ended December 31, 2023, 2022, and 2021 are detailed in Note 15.
The Company had investments in limited partnerships
        that required a commitment of capital of $659 and $446 for the years ended December 31, 2023 and 2022, respectively. The Company had commitments to fund private placement investments of $3,107 and $1,889 as of December 31, 2023 and 2022,
        respectively.
(22)    Subsequent Events
The Company has evaluated subsequent events through
        April 8, 2024, which is the date the Statutory Financial Statements were available to be issued. No material subsequent events have occurred since December 31, 2023 that require adjustment to the Statutory Financial Statements.
In March 2024, the Company made a capital
        contribution of $30 to Allianz Life Insurance Company of New York.
Statutory Financial Statements as of December 31, 2023
Page 69 of 69
For Service or More
                Information
The Form N-4 Statement of Additional Information (SAI) contains additional information about the Contract, Allianz Life, and the Separate
                  Account. The SAI is dated the same date as this prospectus, and the SAI is incorporated by reference into this prospectus. This prospectus and the SAI can be found online at www.allianzlife.com/prospectuses. You can also request this
                  information at no cost by calling (800) 624-0197, or by sending an email request to contact.us@allianzlife.com.
The SEC maintains a website www.sec.gov. The prospectus, the Form N-4 SAI and other information about the Contract are available on the EDGAR
                  database on the SEC's website. Copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov.
Our Service Center
If you need customer service (for Contract changes, information on Contract Values, requesting a withdrawal or transfer, changing your
                  allocation instructions, etc.) please contact our Service Center at
(800) 624-0197
.
To send applications, and/or a check for an additional Purchase Payment, or for general customer service, please mail to the appropriate
                  address as follows:
To send applications, and/or a check for an additional Purchase Payment,
or for general customer service, please mail to the appropriate address as follows:
REGULAR MAIL
Allianz Life Insurance Company of North America
P.O. Box 59060
Minneapolis MN 55459-0060
OVERNIGHT, CERTIFIED, OR REGISTERED MAIL
Allianz Life Insurance Company of North America
5701 Golden Hills Drive
Minneapolis MN 55416-1297
Checks sent to the wrong address for applications or
                            additional Purchase Payments are forwarded to the 5701
Golden Hills Drive address listed above, which may
                            delay processing.
For general customer service by email, please use this address: contact.us@allianzlife.com. To send information by email, please use this
                  address: variableannuity@send.allianzlife.com. To send information over the web, please upload to your account on our website at: www.allianzlife.com. If you have questions about whether you can submit certain information by email or over
                  the web, please contact our Service Center.
All dealers that effect transactions in these securities are required to deliver a prospectus.
EDGAR Contract ID No.: C000241221
Allianz Index Advantage+ Income
®
Variable Annuity Prospectus – May 1, 2024
Back Cover
PART II - INFORMATION NOT REQUIRED IN PROSPECTUS
ITEM 13.  OTHER EXPENSES OF ISSUANCE AND DISTRIBUTION.
Securities and Exchange Commission Registration Fee
$   147,600
--------------
Estimated Printing and Filing Costs:
$   30,000
--------------
Estimated Accounting Fees:
$    75,000
---------------
Estimated Legal Fees:
$        N/A
---------------
Estimated Miscellaneous Fees:
$        N/A
---------------
ITEM 14.  INDEMNIFICATION OF OFFICERS AND DIRECTORS.
The Bylaws of the Insurance Company provide:
ARTICLE XI. INDEMNIFICATION OF DIRECTORS, OFFICERS AND EMPLOYEES
SECTION 1. RIGHT TO INDEMNIFICATION:
(a)
Subject to the conditions of this Article and any conditions or limitations imposed by applicable law, the Corporation shall indemnify any employee, director or officer of the
            Corporation (an "Indemnified Person") who was, is, or in the sole opinion of the Corporation, may reasonably become a party to or otherwise involved in any Proceeding by reason of the fact that such Indemnified Person is or was:
(i)
a director of the Corporation; or
(ii)
acting in the course and scope of his or her duties as an officer or employee of the Corporation; or
(iii)
rendering Professional Services at the request of and for the benefit of the Corporation; or
(iv)
serving at the request of the Corporation as an officer, director, fiduciary or member of another corporation, association, committee, partnership, joint venture, trust, employee
            benefit plan or other enterprise (an "Outside Organization").
(b)
Notwithstanding the foregoing, no officer, director or employee shall be indemnified pursuant to these bylaws under the following circumstances:
(i)
in connection with a Proceeding initiated by such person, in his or her own personal capacity, unless such initiation was authorized by the Board of Directors;
(ii)
if a court of competent jurisdiction finally determines that any indemnification hereunder is unlawful;
(iii)
for acts or omissions involving intentional misconduct or knowing and culpable violation of law;
(iv)
for acts or omissions that the Indemnified Person believes to be contrary to the best interests of the Corporation or its shareholders or that involve the absence of good faith on the
            part of the Indemnified Person;
(v)
for any transaction for which the Indemnified Person derived an improper personal benefit;
(vi)
for acts or omissions that show a reckless disregard for the Indemnified Person's duty to the Corporation or its shareholders in circumstances in which the Indemnified Person was aware
            or should have been aware, in the ordinary course of performing the Indemnified Person's duties, of the risk of serious injury to the Corporation or its shareholders;
(vii)
for acts or omissions that constitute an unexcused pattern of inattention that amounts to an abdication of the Indemnified Person's duties to the Corporation or its shareholders;
(viii)
in circumstances where indemnification is prohibited by applicable law;
(ix)
in the case of service as an officer, director, fiduciary or member of an Outside Organization, where the Indemnified Person was aware or should have been aware that the conduct in
            question was outside the scope of the assignment as contemplated by the Corporation.
SECTION 2. SCOPE OF INDEMNIFICATION:
(a)
Indemnification provided pursuant to Section 1(a)(iv) shall be secondary and subordinate to indemnification or insurance provided to an Indemnified Person by an Outside Organization or
            other source, if any.
(b)
Indemnification shall apply to all reasonable expenses, liability and losses, actually incurred or suffered by an Indemnified Person in connection with a Proceeding, including without
            limitation, attorneys' fees and any expenses of establishing a right to indemnification or advancement under this article, judgments, fines, ERISA excise taxes or penalties, amounts paid or to be paid in settlement and all interest, assessments
            and other charges paid or payable in connection with or in respect of such expense, liability and loss.
(c)
Such indemnification shall continue as to any Indemnified Person who has ceased to be an employee, director or officer of the Corporation and shall inure to the benefit of his or her
            heirs, estate, executors and administrators.
SECTION 3. DEFINITIONS:
(a)
"Corporation" for the purpose of Article XI shall mean Allianz Life Insurance Company of North America and all of its subsidiaries.
(b)
"Proceeding" shall mean any threatened, pending, or completed action, suit or proceeding whether civil, criminal, administrative, investigative or otherwise, including actions by or in
            the right of the Corporation to procure a judgment in its favor.
(c)
"Professional Services" shall mean services rendered pursuant to (i) a professional actuarial designation, (ii) a license to engage in the practice of law issued by a State Bar
            Institution or (iii) a Certified Public Accountant designation issued by the American Institute of Certified Public Accountants.
Insofar as indemnification for liability arising under the Securities Act of 1933 may be permitted for directors and officers or controlling persons of the Insurance Company pursuant to
            the foregoing, or otherwise, the Insurance Company has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and, therefore, unenforceable. In the event
            that a claim for indemnification against such liabilities (other than the payment by the Insurance Company of expenses incurred or paid by a director, officer or controlling person of the Insurance Company in the successful defense of any
            action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Company will, unless in the opinion of its counsel the matter has been settled by controlling
            precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.
ITEM 15.   RECENT SALES OF UNREGISTERED SECURITIES.
NOT APPLICABLE.
ITEM 16.   EXHIBITS AND FINANCIAL STATEMENT SCHEDULES.
(a) Exhibits.
1.(a)
Principal Underwriter Agreement
by and between North American Life and Casualty Company on behalf
            of NALAC Variable Account B and NALAC Financial Plans, Inc. dated September 14, 1988 incorporated by reference as exhibit EX-99.B3 from Pre-Effective Amendment No.1 to Registrant's Form N-4 (File Nos. 333-06709 and 811-05618), electronically
            filed on December 13, 1996.
(North American Life and Casualty Company is the predecessor to Allianz Life Insurance Company of North America. NALAC Financial Plans, Inc., is the predecessor to USAllianz Investor Services, LLC, which is the predecessor to Allianz Life
            Financial Services, LLC. NALAC Variable Account B is the predecessor of Allianz Life Variable Account B.)
(b)
Broker-Dealer Agreement
(amended and restated) between Allianz Life Insurance Company of North
            America and Allianz Life Financial Services, LLC, dated June 1, 2010 incorporated by reference as exhibit EX-99B3b. from Pre-Effective Amendment No. 1 to Form N-4 (File Nos. 333-166408 and 811-05618), electronically filed on September 24, 2010.
(c)*
The current specimen of the selling agreement
(General Agency Agreement) between
            Allianz Life Financial Services, LLC, the principal underwriter for the Contracts, and retail brokers which offer and sell the Contracts to the public is filed herewith.
2.
Not applicable
3. (a)
Articles of Incorporation
, as amended and restated August 1, 2006, of Allianz Life Insurance
            Company of North    America, filed on January 3, 2013 as Exhibit 3(a) to Registrant's initial registration on Form S-1 (File No. 333-185864), is incorporated by reference.
(b)
Bylaws, as amended and restated August 1, 2006
, of Allianz Life Insurance Company of North
            America, filed on January 3, 2013 as Exhibit 3(b) to Registrant's initial registration on Form S-1 (File No. 333-185864), is incorporated by reference.
4.(a)
Individual Variable Annuity Contract, L40538-01
,
            filed on December 15, 2022 as Exhibit 4(a)(i) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.
(b)(i)
Contract Schedule, S40875-01-IAI
, filed on December
            15, 2022 as Exhibit 4(b)(i) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.
(ii)
Index Options Contract Schedule Page, S40877-INCOME
,
            filed on December 15, 2022 as Exhibit 4(b)(ii) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.
(c)(i)
Application for Individual Variable Annuity Contract
– IAI-APP-04, filed
            on December 15, 2022 as Exhibit 4(c)(i) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.
(ii)
Annuity Purchase Acknowledgment, E-APA-VAR-03
, filed
            on December 15, 2022 as Exhibit 4(c)(ii) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.
(d)(i)
Index Performance Strategy II-S40903-01
, filed on
            December 15, 2022 as Exhibit 4(d)(i) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.
(ii)
Index Performance Strategy Rider III – S40904-01
,
            filed on December 15, 2022 as Exhibit 4(d)(ii) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.
(e)(i)
Index Protection Strategy with Trigger Rider, S40879-02
,
            filed on December 15, 2022 as Exhibit 4(e)(i) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.
(ii)
Index Protection Strategy with Cap Rider, S40899-02,
filed on December 15, 2022 as Exhibit 4(e)(ii) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.
(f)
Index Guard Strategy Rider-S40889-03
, filed on December
            15, 2022 as Exhibit 4(f) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.
(g)(i)
Index Precision Strategy Rider, S40891-02
, filed on
            December 15, 2022 as Exhibit 4(g) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.
(iii)
Index Precision Strategy Rider , S40891-03
,
            incorporated by reference as Exhibit 4(g)(iii) from Post-Effective Amendment No. 2 to Registrant's Form S-1 (File No. 333-268820), electronically filed on October 11, 2023.
(h)
Index Dual Precision Strategy Rider, S40909
,
            incorporated by reference as Exhibit 4(g)(ii) from Post-Effective Amendment No. 2 to Registrant's Form S-1 (File No. 333-268820), electronically filed on October 11, 2023.
(i)
Index Options Contract Schedule, S40877-01-INCOME
,
            incorporated by reference as Exhibit 4(g)(iv) from Post-Effective Amendment No. 2 to Registrant's Form S-1 (File No. 333-268820), electronically filed on October 11, 2023.
(j) (i)
Income Benefit Rider (with lock and go), S40901-04-IAI
,
            filed on December 15, 2022 as Exhibit 4(h)(i) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.
(ii)
Income Multiplier Benefit Rider S40905-01
, filed on
            December 15, 2022 as Exhibit 4(h)(ii) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.
(iii)
Income Benefit Rider Contract Schedule, S40902-02
,
            filed on December 15, 2022 as Exhibit 4(h)(iii) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.
(iv)
Income Multiplier Benefit Rider Contract Schedule,
              S40906-01
, filed on December 15, 2022 as Exhibit 4(h)(iv) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.
(k)
Performance Lock Rider S40908
, filed on December 15,
            2022 as Exhibit 4(i) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.
(l)
Waiver of Withdrawal Charge Rider, F40749-01
, filed on
            December 15, 2022 as Exhibit 4(j) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.
(m)
Traditional Death Benefit Rider-S40880-01
, filed on
            December 15, 2022 as Exhibit 4(k) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.
(n)
Maximum Anniversary Death Benefit Rider- S40897-01
,
            filed on December 15, 2022 as Exhibit 4(l) to Registrant's Initial Registration on Form S-1 (File No. 333-268820), is incorporated by reference.
(o)
Roth IRA Endorsement-S40342
incorporated by
            reference as exhibit EX-99.B4.l. from Pre-Effective Amendment No. 1 to Registrant's Form N-4 (File Nos. 333-134267 and 811-05618), electronically filed on September 25, 2006.
(p)
IRA Endorsement-S40014
incorporated
            by reference as exhibit EX-99.B4.g. from Pre-Effective Amendment No.1 to Registrant's Form N-4 (File Nos. 333-82329 and 811-05618), electronically filed on December 30, 1999.
(q)
Unisex Endorsement-(S20146)
incorporated by reference as exhibit EX-99.B4.h. from Pre-Effective Amendment No.1 to Registrant's Form N-4 (File Nos. 333-82329 and 811-05618), electronically filed on December 30, 1999.
5.*
Opinion re Legality
, filed herewith
8.
Opinion re Tax Matters - not applicable
9.
Not applicable
10.
Material Contracts – not applicable
11.
Not applicable
12.
Not applicable
15.
Not applicable
16.
Not applicable
21.
Not applicable.
23.
(a)*
Consent of Independent Registered Public Accounting Firm
, filed
              herewith.
(b)
Consent of Counsel, filed as Exhibit 5 to this Registration Statement.
24.
(a)
Board Resolution, effective December 11, 2012
, of the Board of Directors of
              Allianz Life Insurance Company of North America, filed on January 3, 2013 as Exhibit 24(b) to Registrant's initial registration on Form S-1 (File No. 333-185864), is incorporated by reference.
(b)
Form of Board Resolution of the Board of Directors of Allianz Life Insurance
                Company of North America,
effective April 14, 2014, filed on April 14, 2014 as Exhibit 24(d) to Registrant's Post-Effective Amendment No. 2 to Form S-1 (File No. 333-185864), is incorporated by reference.
(c)*
Powers of Attorney
, filed herewith.
25.
Not applicable
26.
Not applicable
99.*
Daily Adjustment Calculation Exhibit, IXA-010c
, , filed herewith.
107*.
Filing Fee Table
, filed herewith.
*  Filed herewith
**To be filed by amendment
(b) Financial Statement Schedules
All required financial statement schedules of Allianz Life Insurance Company of North America are included in Part I of
    this registration statement.
ITEM 17.  UNDERTAKINGS.
The undersigned registrant hereby undertakes pursuant to Item 512 of Regulation S-K:
(1)
To file, during any period in which offers or sales are being made, a post-effective amendment to this registration statement:
(i)
To include any prospectus required by section 10(a)(3) of the Securities Act of 1933;
(ii)
To reflect in the prospectus any facts or events arising after the effective date of the registration statement (or the most recent post-effective amendment thereof)
            which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration statement. Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the total dollar
            value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the Commission pursuant to Rule
            424(b) if, in the aggregate, the changes in volume and price represent no more than a 20% change in the maximum aggregate offering price set forth in the "Calculation of Registration Fee" table in the effective registration statement.
(iii)
To include any material information with respect to the plan of distribution not previously disclosed in the registration statement or any material change to such
            information in the registration statement.
(2)
That, for the purpose of determining any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed to be a
            new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.
(3)
To remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination
            of the offering.
(4)
That, for the purpose of determining liability under the Securities Act of 1933 to any purchaser, each prospectus filed pursuant to Rule 424(b)
            as part of a registration statement relating to an offering, other than registration statements relying on Rule 430B or other than prospectuses filed in reliance on Rule 430A, shall be deemed to be part of and included in the registration
            statement as of the date it is first used after effectiveness. Provided, however, that no statement made in a registration statement or prospectus that is part of the registration statement or made in a document incorporated or deemed
            incorporated by reference into the registration statement or prospectus that is part of the registration statement will, as to a purchaser with a time of contract of sale prior to such first use, supersede or modify any statement that was made
            in the registration statement or prospectus that was part of the registration statement or made in any such document immediately prior to such date of first use.
(5)
That, for the purpose of determining liability of the registrant under the Securities Act of 1933 to any purchaser in the initial distribution
            of the securities: The undersigned registrant undertakes that in a primary offering of securities of the undersigned registrant pursuant to this registration statement, regardless of the underwriting method used to sell the securities to the
            purchaser, if the securities are offered or sold to such purchaser by means of any of the following communications, the undersigned registrant will be a seller to the purchaser and will be considered to offer or sell such securities to such
            purchaser:
(i)
Any preliminary prospectus or prospectus of the undersigned registrant relating to the offering required to be filed pursuant to Rule 424;
(ii)
Any free writing prospectus relating to the offering prepared by or on behalf of the undersigned registrant or used or referred to by the
            undersigned registrant;
(iii)
The portion of any other free writing prospectus relating to the offering containing material information about the undersigned registrant or
            its securities provided by or on behalf of the undersigned registrant; and
(iv)
Any other communication that is an offer in the offering made by the undersigned registrant to the purchaser.
(6)
Insofar as indemnification for liability arising under the Securities Act of 1933 may be permitted to directors, officers and controlling
            persons of the Registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that, in the opinion of the Securities and Exchange Commission, such indemnification is against public policy as expressed in the Act
            and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in
            the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has
            been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.
SIGNATURES
Pursuant to the requirements of the Securities Act of 1933, the registrant has duly caused this registration statement to be signed on
    its behalf by the undersigned, thereunto duly authorized, in the City of Minneapolis, State of Minnesota, on this 17th day of April, 2024.
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
By:
/s/ Jasmine M. Jirele*
Jasmine M. Jirele
Chief Executive Officer, President, and Director
Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed by the following persons in the
    capacities indicated on April 17, 2024.
Signature*
Title
Jasmine Jirele
*
Director, President & Chief Executive Officer
Andreas G. Wimmer
*
Director and Board Chair
Walter R. White
*
Director
Udo Frank
*
Director
William E. Gaumond
*
Director, Senior Vice President, Chief Financial Officer and Treasurer (principal accounting officer)
Kevin E. Walker
*
Director
Howard E. Woolley
*
Director
Lauren Kathryn Day*
Director
*By Power of Attorney, filed as Exhibit 24(c) to this Registration Statement.
BY
: /s/ John P. Hite
John P. Hite
Senior Counsel, Associate General Counsel
FORM S-1
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA
INDEX TO EXHIBITS
Exhibit
Description of Exhibit
1(c)
The current specimen of the selling agreement (General Agency Agreement)
5
Opinion of Legality
23(a)
Consent of Independent Registered Public Accounting Firm
24(c)
Powers of Attorney
99
Daily Adjustment Calculation
107
Fee Exhibit Table